Wednesday, September 28, 2011

Third Party Disclosure by U.S. bank collections?

Third Party Disclosure by U.S. bank collections?
I put a friend on my credit card, long story short, he used my money w/o my permission and I have (over time) accumlated in facebook msgs him saying he owes me money and will pay me back but doesn't actually do it... he has paid me 350 dollars but that is the money I had to pay to the lendor to keep my account from getting charged off. However, we did sit down discuss the terms of paying back and he said that he will pay me 100 a week and we never got around to that. I was out of the country the time that he used my credit card. my limit on the card was $7000. He used $3500. When I first came to know about this he told me he had sent in $500 dollars and kept up with the payments. When I checked a few weeks later, no money had been sent in whatsoever ever since the first transaction and my account was in collections. It is not a 3rd party collections, it hasn't charged off yet and it hopefully won't get charged off. It is U.S. Bank collections department thats collecting on it. They called me and verified information. I was told I was responsible for the charges since I'm the primary account holder. Then they asked me who all they were allowed to speak with in regards to this account and I told them ONLY me. I told them to not call my so called friend and not to discuss anything with him. I strictly asked them not to do so. I missed 2 payments because I do not have a job yet (Ohio's unemployment rates are skyrocketting, no jobs whatsoever). So they called my house, couldn't find me cuz i'm a student i'm usually on campus and I do not have lunch/gas money let alone money for a cellphone. So they called my friend's cell which I had asked them NOT to call and they asked him if he was ME and he answered yes and without verifying anything like SSN or Address or anything else... they discussed the details with him. He msged me on facebook and was like your bank called me and discussed some things with me. They told me you missed a payment for two months and you need to pay that in order to stay in the hardship program. WTFFF! Isn't that a 3rd party disclosure? Is U.S. bank collections regulated by the FDCPA rules and guidelines which are enforced by the FTC? Is a lawsuit a possibility and if it is what are my chances because clearly someone who stole from me knows the ongoings of my personal life? What should I do? What should be my next step? Should I file a police report against my friend for pretending to be me and invading my privacy? I am really worried because I'm not sure what all other details the collections department discussed with my friend... Please tell me if there is a way out of this and what I can do to U.S. bank for disclosing my personal information to a third person.
Credit - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Even if a lawsuit is a possibility, I do not think that you would receive any money from it. The bank could always countersue for whatever you owe them, and, even if the judge ruled that they did anything wrong (which might or might not be the case), they could ask the judge to say that because you owe more for the unpaid credit card bills than they owe you for whatever they did, they do not have to pay you anything.
2 :
I couldn't wade thru your whole post -- paragraphs would make it easier to read. The FDCPA applies to third party collection agencies. US bank is the original creditor and does not have to comply with the FDCPA.

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Wednesday, September 14, 2011

How to let a guy down easy...?

How to let a guy down easy...?
Kind of annoying when u have this guy friend that kinda went somewhere but now u don't like him and he's bugging u about going out again. Ok I probably need to start in the beginning. I warn u, it's a LONG story. So I met Steve (nickname) at a spring break mission trip with my church. He was going with us. Anyways my friend (T) and I started calling this guy, Steve, because we could never remember his name. So we are having a great time getting to know each other when this other guy, N, who we didn't who he was at the time, and T started getting more that friendly with each other. So Steve became the third wheel because I started hanging out with this other chick who they didn't like but I don't like her anymore because she is really annoying. So I didn't really get to hang with them and the "lovebirds", as all the people on the trip dubbed them, N and T, really acted loveydovey and Steve was a huge third wheel. Well near the end of the trip I started hanging more out with them and since N and T were occupied, Steve and I had to hang out. It was kinda uncomfortable b/c at the time I was still going out with my ex (long story another blog for another day =]) and I didn't want to cheat on him but I didn't really like my ex anymore. So on the last night (by and by we were in New Orleans) the whole group decides we need to go the Hard Rock Cafe because it will be an adventure so we parked the cars and started walking down the French District. So since N and T were occupied again I hung out with Steve which is when we figured out we had a similar taste in music. So we were discussing those music and my ex texts me so of course the wonderful girlfriend, I text him back. I do this the entire dinner until near the end when I go to get a souvenir where Steve helps me choose it. I give him a hug and he thinks I likelike him. Anyways N&T went upstairs and sneaked around a lot and Steve makes a joke and they get pissed but are over it. Anyways that was that trip. This year I start liking Steve a bit because well idk. We went to youth group and one night he tells me he got dumped because his friend and gf were messing around. So there is the possibility of us going out now. So at the church garage sale I get prettied up for him but he left before I could see him. That would be the last time I see him for awhile and I wondered where he disappeared to. We went to different schools so I wouldn't find out where he went until I find out not from him but from T. She tells me his family problems just grow and he moves to Louisiana to his grandparents. I feel really hurt but mostly angry at his parents. I couldn't believe that he left without telling me. So we text and he apologizes and I accept it. I was still hurt though. Anyways we decide we should go out for awhile but over a long-distance. I tried it and it sucked!! I looked at other relationships and see couples hugging small talking just being together and I can't take it. I needed an arm around me to comfort me. I needed someone there where I can just be with and feel safe so I break up with him. It was a clean cut and I promised it would be a fresh start. So anyways he starts saying he's coming back to austin and he comes and sees my musical and that night i had a cast party so I couldn't hang out with him. Now he keeps asking to see if we can date but I don't want to. He has changed and I don't like the way he is now. Plus I try to avoid him on like Facebook so I don't think that is normal. I really want to let him down easy.
Singles & Dating - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
just use the lies you women always do,just don't run back to him when you find out the grass isn't greener on the other side.
2 :
You were right a long story, and my head hurts from hitting the desk three times. My coffee just didn't help. Yawn! A small lesson with guys. Ignore and distance yourself from those that just don't fit in to you. Be polite and direct and tell him how you two just don't click. Be as honest as you can for this task. Lying is poor choice. Let him know that you were wrong on leading him on if he feels that way. Otherwise you feel he is a nice guy, but not for a boy friend at this time. That way he will walk away thinking he was close but no cigar. Be nice to him in this conversation and don't get into an argument. Just be polite and calm. Nice way to assess him in his being turned down phase and how he handles it. Maybe you were right or maybe wrong. Who knows if he might grow in maturity and shape up or puts that L on his forehead and takes it like a jerk.......

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Wednesday, September 7, 2011

Friend blocked me on facebook and is trash talking me, for no reason??? please read?

Friend blocked me on facebook and is trash talking me, for no reason??? please read?
So yesterday i was updating my wedding website to include my cousin who I asked to be a bridesmaid, and i went to get her picture off of facebook to add with a discription and i found she had blocked me, and i was shocked because i hadn't done anything to her. I asked her sister to check and she was still included on her friends list and so were a few other people. I had talked to her a few days ago and we were fine. I had even sent her a blackberry curve under the understand she would pay me on the 25th for the phone, anyways her sister came to stay at my place friday night and went out saturday night, I found out friday she had suffered a miscarriage *she has two older kids*, anyways i offered my moral support and stuff, but for no reason at all i see she was bad mouthing me to her sister and her sister told me all the things she says about me, I was quited shocked because she always so nice to me but she has been knowen to fib and talked trash about her own family so as shocked as i am i am not suprised. (anyways before people go well she had a miscarriage who cares about a phone i know its just a phone but we made an agreement that also cost me 600.00 dollars, and i basically gave it away,)\ so her sister messaged her and asked if she is not going to pay for thphone to please send it back to me she messages back i did not get the phone, and then she started on this rant about her sister being selfish and that she was being mean, and that she was not offering her moral support when she was we all were and then told her she waso nly being this way because she was with Amanda the fking btch, i was shocked because i truly have done nothing to provoce her in anyway, i know that her husbands family is very controlling and in her head she thinks she is friends with good charlotte *no joke she tells me all the time* and she really has an amazing imagination, and i understand miscarring can be a tramatic event but why take it out on me and, for another thing could she be jealous that i am getting married and have support her, she has no one where she is but could jealouy really act so out of character when i tried to call her to discuss these things she hangs up on me before she says anything, please advice form mature adults
Friends - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I would go to her house and talk. Or attempt to talk. She's acting like a 3 year old. I know miscarriages are hard, but she's being mean to you for no reason whatsoever.
2 :
She i problly menatly unstable thats what it sounds like to me if she thinks good chrlotte is her friend shes gotta be crazy hello!?!?! ko co ko co and she shouldnt be talking like that she needs help asap!
3 :
to be honest she sounds like she might need some professional help, maybe you could suggest to a family member some counciling or get a doctor to check her out, (i've had experience with a person with a mental illness and they can act in the most unpredictable ways and no matter how hard you question the motives behind their actions they may never make sense.) and then deal with the buisness of the phone afterwards, people do things that make no sense whatsoever when they are under extraordinary amounts of stress which could be brought on by controlling inlaws and the miscarriage. she'll probably be experiencing all kinds of emotions on account of the miscarriage that she may not understand properly if you get what i mean, if jealousy is the one emotion she can get her head round then that could explain why she is taking it out on you, hope this helped xx

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oes she have a right to hate me?!? ...And what did I really do that was so wrong?

oes she have a right to hate me?!? ...And what did I really do that was so wrong?
Cassie: Dating Austin, used to hate Danielle, now she's okay-ish with her. Austin: Dating Cassie, used to date Danielle. Danielle: Used to date Austin, used to hate Cassie, now she's okay-ish with her. Nichole: (me) Best friends with Cassie and Danielle. Can't stand Austin because she knows that he is a cheating liar. So, Danielle sends Austin some pictures of a naked girl (she's a girl from school that nobody likes and they thought it would be funny to send the pics to everyone in Danielle's contacts). So Austin flips out about it to Cassie, telling her that it's absolutely 'vomit' and disgusting. Cassie texts me and says that she's super p***** off and that it's because of the pictures. She thinks that Danielle is trying to screw up her relationship with Austin. I text Danielle to see if she really sent the pictures. I'm friends with Danielle and I'm not going to just let her get thrown under the bus if she didn't really send them. She sent them. So the next day at school I get into a screaming match with her. Turns out, it was supposed to be a joke, and Austin thought it was funny....at least that's what he told Danielle. So Danielle showed me the text messages that they shared back and forth. I even checked the number to be sure that it was his. In the messages he was saying things like 'You're the best ever Dannybabe' and 'You know...we would still be together if it weren't for your parents.' and 'Ive been thinking about you a lot lately...and how you're doing. Don't ask why though, lol.' He also lied to Cassie, because he told her that he thought the pictures were gross, but he told Danielle that they absolutely made his day. So, trying to be a good friend and watch out for Cassie (You see, Austin has cheated on her, left her for other girls, and lied to her before) I decided to tell her about these things. She gets mad at me, saying that I'm bringing up something that she doesn't want to hear about and etc. So I got defensive, asking her if she would rather just ignore it until her screwed her over for real...AGAIN. She would never answer that particular question. She just kept telling me that it was hard to believe and that she didn't want to hear it because every time things were good between her and Austin, something bad came up. So, she wasn't really talking to me. She hadn't texted me all day. So (yeah I really didn't need to) I texted Austin and asked him why he was lying to Cassie and flirting with Danielle. He, of course, denied everything and tried to lie himself to hell...it didn't work on me. But then he accused me of calling Cassie a s***** a** friend ....that tore it. I've never said that and I would never say that. I've always been a great friend to her, always there when she needed me, offered her a shoulder to cry on, and picked up the shattered pieces of her heart when he stepped on them and ground them into the dirt. So...she didn't talk to me at all the next day. She was in school, but we didn't talk. Even though I knew that she had heard about my texting Austin. Apparently she and Danielle had discussed it on Facebook the night before. So at the end of the day I posted a tweet on twitter.com about how we were just going to ignore this too...and she finally texted me. We ended up getting into an argument. I thought that she needed to confront him about his lying and flirting with his ex. She wanted to forget about it. So eventually she told me that she didn't need my bull**** and that she was done with me. To delete her number from my f******* phone and delete his too. ....So honestly? What the h*** did I do? I tried to be a good friend. I made sure that what I thought he was doing was true before I told her about it. I let her know that her boyfriend was lying to her. I let her know that her boyfriend was flirting with his ex-girlfriend. If I had hidden this and he had hurt her later on, and she found out I had known and not told her, I'd lose a friend because of that....so what should I have done? Stand by and let her get hurt and then lose her because I lied by keeping it from her? I'm not that kind of person. Now she wants nothing to do with me and she hates me. She refuses to even look at me let alone talk to me or acknowledge my presence. So, honest opinion....what did I do that was so wrong? What did I do to deserve losing a supposed best friend?
Friends - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
ooyyy people grow uppp...
2 :
What you did was you opened up your mouth said what you had to say ( right or wrong) and then wouldn't stop . ITS ONE THING TO BACK A FRIEND UP, ITS ANOTHER STORY ALTOGETHER TO TRY MARCHING THEM INTO BATTLE AGAINST THEIR WILL. But personally, I'd start looking around for friends who had more self respect, or respect for others, as all three sound like overly self centered people.

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Thursday, September 1, 2011

Hey, i got a legal question and i need help asap!!!?

Hey, i got a legal question and i need help asap!!!?
Ok, so i used to volunteer at an airsoft arena right before thay baned me for threatening for leaving for good. Here lately iv been bad mouthing this arena. Thay just sent me this to me becouse of the bad mouthing over facebook. Austin, You are hereby on formal notice that if you continue to post and spread false rumours about Metropolis, you and your parents will receive formal notice of a lawsuit. The circumstances surrounding your notice not to return to Metropolis was for liability and defamation reasons that was made by the lawfirm representing Metropolis, both of which you and your parents are liable for. Metropolis has been nothing but overly generous with you considering your defamation, disloyalty, offensive, and even possible theft which your name has come up on a few occassions by customers. Nevertheless, Metropolis gave you numerous chances to correct your behavior but your defamation and outright slander was the last straw. I strongly recommend that you notify your parents immediately to hire an attorney so you clearly understand the legal consequences of your past and current behavior. We already have people hearing from you and witnessing your outright false and defamatory statements but we also have meticulous record at Metropolis of complaints against you for your behavior and possible theft. The decision was made by the lawfirm that you should not be allowed to return to Metropolis until further notice due to investigation and legal case against you due to customer complaints, as well as your recent illegal behavior. Your immaturity indicates and confirms you have no idea what legal liability you and your parents as guardian are are facing but that's up to you as to how irresponsible and reckless you want to continue to handle this, ultimately leading to you and your parents becoming involved in what has turned out to be a legal matter for the lawfirm to handle on behalf of Metropolis. This is your last and final notice. We expect that you will be smart enough to hire an attorney and have him or her, as well as your parents contact me immediately to discuss this legal matter. Please have your parents and/or your attorney contact my office immediately to see if Metropolis is even amenable to not pursuing legal action for defamation and possible theft, depending on whether you retract and/or discontinue your defamatory statements. We are sending you a courtesy message through your facebook but you and your parents will be receiving in the mail a formal legal notice within 7 days unless you retract your statements immediately. Govern yourself accordingly, Holly Geerdes, Esq. Geerdes and Kim, LLC 555 Sun Valley Drive, Ste. N Roswell, GA 30076 770-643-9912 678-909-0409 (fax) I have never stolen anything and everyone that ever came by loved me. I could basically do no wrong. Could i get in any trouble if i continued to smack talked this arena on facebook?
Law & Legal - 3 Answers
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1 :
Yep...........gonna hammer you and your parents.........appears you have a big mouth.........now its time to pay up.........
2 :
It looks like you and your parents are going to be sued for slander if you keep "talking smack". It is indeed illegal to spread lies about a person or company, especially if that person or company suffers real damages from those lies. Even if you never stole anything, you can still be liable for big damages. Or rather, your parents will be forced to pay a large fine, and you might possibly be subject to other discipline (not just from your parents, either).
3 :
Yes, you can be sued for libel and slander. So can your parents.

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