Good freakin' grief. You'd think I'd had it with Chase. I FINALLY paid off Capital One or THOUGHT I had. And the rep over the phone when I made the final payment assured me I had paid everything and within thirty days I would get my settlement papers in the mail and guess what I got in thirty days? A STATEMENT saying I STILL OWED $380!!! WHAT THE FUCK!? I Do NOT OWE them anyMORE money. I paid the settlement, I did what they wanted. How the hell do they get off saying I still owe over three hundred bucks?! I mean, SERIOUSLY!?!?!? SERIOUSLY!?!? And to boot I can't get in touch with anyone, I'm assuming, because it's right around the holidays. I HOPE, anyway.
On that note, I've also managed to get my phone ran over as well. Oh joy. But on the bright side, it looks like I might get a better paying job, something I'm really hoping will work out. But, like, I really need to work on being more extroverted. I'm just too damn quiet all the time and I always feel like I'm on the verge of an anxiety attack of some sort at work.
I also feel absolutely horrible because the other week was a co-worker's birthday and I couldn't work up the nerve to wish him happy birthday-- I mean, how mean is that? I just freaked out, thinking he'd think it was weird that I remembered or then maybe I had the day wrong, I don't even know, but I just couldn't bring myself to say it and then I felt like a total retard. I always feel totally.... I don't know... retarded?
Ugh, but if I get this new job, I should be able to get out of debt SOOO much faster and maybe even be able to save up for a car which would be nice. Or a nearby apartment to work/or on the busline, you know? I just want to get it together. I feel like I've just been aimlessly wandering around in the dark for the last five years, although it hasn't been for lack of trying to set goals. It just seems like every goal I set, it becomes literally impossible to achieve, whether for financial or medical reasons. It's just gotten to the point of utter ridiculousness. I think about myself too much. I'm selfish.
Friday, December 24, 2010
Thursday, October 28, 2010
CHASE= ILLUMINATI?? That's why they suck and DON'T CARE!!!!
Okay, so I still have no idea what to even think of the whole "Illuminati Conspiracy." Most people say it's a bizarre, unfounded theory, but there's a surprising amount of evidence to back it up and it's all totally and completely bizarre and will make you feel like you're in the freakin' Matrix or something. And then you feel duped by society. Moving past that, you realize that Chase is--- whaaaaaat?!? ROCKE-FREAKIN'-FELLER owned, one of the 13 Bloodlines of the Illuminati, if you have been paying attention. And to boot the Chase symbol that I never thought twice about hints at a swastika. Check this: http://www.christian-forum.net/index.php?showtopic=29397&st=0
Who cares if Chase is rude to customers and crap? Seriously, they aren't gonna run outta money any time soon. And when people start calling them out on it, Chase writes them off as unhappy former customers who are bitter towards them. But almost everyone has or IS gonna be under Chase at some point; they're taking over EVERYTHING and gobbling up your little banks everywhere!!
On that note, I AM closer to paying Chase, but I'm gonna try to get a paper statement cuz people are saying that Chase takes their money and then claim they don't pay; even former employees are warning about it.
Who cares if Chase is rude to customers and crap? Seriously, they aren't gonna run outta money any time soon. And when people start calling them out on it, Chase writes them off as unhappy former customers who are bitter towards them. But almost everyone has or IS gonna be under Chase at some point; they're taking over EVERYTHING and gobbling up your little banks everywhere!!
On that note, I AM closer to paying Chase, but I'm gonna try to get a paper statement cuz people are saying that Chase takes their money and then claim they don't pay; even former employees are warning about it.
Saturday, October 16, 2010
Maybe I'm Too....??
I don't know. After rereading my last post and considering the things that have happened since, maybe I'm just too caught up in my anger, hate, and regret towards my mother in regards to the missed opportunity; granted it was a once in a lifetime thing and it took her nearly five years to apologize to me about it.
But since then other things that have been very drastic have occurred and I'm just so tired of being angry and depressed and I'm just so drained all the time and always fighting to have the energy to deal with the monotony of day-to-day living and always crying myself to sleep and always always and and....and............such a runon sentence but I don't care. I'm not blogging for money, fame, or for English. I'm just blogging to.... get my inner feelings out as a form of a release.
I know, you're wondering what could have possibly happened in less than a span of a week? My sister ran away/moved out without warning even though she's still in high school. What a brat. You'd think she was dying or something but whatever. As far as I'm concerned she's not my sister anymore and never will be. Not again.
So, of course, it burns my ass that our mother was willing to send her a text saying she's on board with whatever my runaway relative decided to do and would support her. Where was that support when I needed it to actually do something better with my life than..... well, my sister will more than likely drop out of high school to work at McDonalds the rest of her life. Whatever. So be it.
Some people are too stupid and selfish to see ANYTHING clearly and she's be Exhibit A of that.
At any rate, I still haven't decided if I REALLY want to travel the entire world or get my degree and teach; I've wanted to teach since I was little and I've wanted to travel since I was little. Originally, I wanted to get my degree and teach and then travel in the summer. I have no idea what I'm doing anymore. All I know is 30 is only a few years away and I'm still living with my parents and still only have an associates degree despite my best efforts and on the verge of killing myself.
I don't even care if I ever get married or not. The opposite gender is full of assholes anyway. The same gender is well.... more problematic both regarding my religious beliefs and the way my family would respond. Not that they are any less attractive.
Ahhhh, and here it comes. Another BIG DECISION. I've made a couple of these since my really Last BD. My LBD that I really screwed up was giving up my scholarship opportunity and moving with my family, without a doubt one of the stupidest things I ever did. The other BD since then have regarded moving again with the family (a BD I don't regret though it didn't really help me out career wise, really) and joining the military (only to be discharged the first week of boot camp due to a medical condition regarding the eyes that had been overlooked in the initial MEPS exam. How they missed it is beyond me, but whatever. Even though I had to wait eight months to even get to the boot camp, I could have been doing other things, but oh well. I can't say I really regret or don't regret it since it turned out that way. At least I can say it was an option fully explored). So this comes to the new REALLY BID DECISION. Do I stay here and pursue my degree or travel and pursue my degree later in life. I don't know. I really don't want to be 30 and degree and still have to work jobs that end in nothing but deads ends. I feel like these jobs have eaten away my early 20s and will eat up the rest of my mid-20s and probably my late 20s as well if I don't attend the university.
But WHYYYYYYYYYY do we have to be in below 50 degrees Alaska?! Ahhhh, I don't know really. I have no clue what I'm doing. I don't know how everyone else seems to be just..... I don't know how to describe it. Before I gave up my scholarship I was in a really good vibe and just everything always fell into place, but ever since I regrettable gave it up I've felt like everything has fallen apart all around me and I just keep banging my head up on a brick wall and nothing is like it was before and it'll never be again? I dunno. But I want to believe I'll get back in my groove again and actually be HAPPY like I used to be, but it seems that happiness or even just plain contentedness has eluded me for almost five years now and is that it? I mean, was that scholarship my ONE SHOT at having a life I wouldn't be horribly ashamed and depressed and want to kill myself over??? Is that all we get? Is there really no second chances ever?
I don't understand. I don't feel like I should be entitled to anything. I mean, I worked to find that scholarship and I just want to know why I could never attend college in the freakin state we came from because the advisor always refused to approve my classes. Freakin' Dr. Mary Howe. I hope she has an unpleasant life. I need to get past this. I need to.... I need to.......... figure things out and I need to put things together because things aren't going to fall into place..... maybe that's the new look I need to have. Things won't fall into place because I have to put them into place. Perhaps if I approach life with this type of attitude things will work out better? I've been praying and I just don't know anymore.
Ah, I'm done with my soul searching post.
On that note, I will hopefully be earning some extra cash to pay off my debts to Capital One and Chase. I only have one more payment to Capital One and next week I get my PAYCHECK!!!!!!!!!
But since then other things that have been very drastic have occurred and I'm just so tired of being angry and depressed and I'm just so drained all the time and always fighting to have the energy to deal with the monotony of day-to-day living and always crying myself to sleep and always always and and....and............such a runon sentence but I don't care. I'm not blogging for money, fame, or for English. I'm just blogging to.... get my inner feelings out as a form of a release.
I know, you're wondering what could have possibly happened in less than a span of a week? My sister ran away/moved out without warning even though she's still in high school. What a brat. You'd think she was dying or something but whatever. As far as I'm concerned she's not my sister anymore and never will be. Not again.
So, of course, it burns my ass that our mother was willing to send her a text saying she's on board with whatever my runaway relative decided to do and would support her. Where was that support when I needed it to actually do something better with my life than..... well, my sister will more than likely drop out of high school to work at McDonalds the rest of her life. Whatever. So be it.
Some people are too stupid and selfish to see ANYTHING clearly and she's be Exhibit A of that.
At any rate, I still haven't decided if I REALLY want to travel the entire world or get my degree and teach; I've wanted to teach since I was little and I've wanted to travel since I was little. Originally, I wanted to get my degree and teach and then travel in the summer. I have no idea what I'm doing anymore. All I know is 30 is only a few years away and I'm still living with my parents and still only have an associates degree despite my best efforts and on the verge of killing myself.
I don't even care if I ever get married or not. The opposite gender is full of assholes anyway. The same gender is well.... more problematic both regarding my religious beliefs and the way my family would respond. Not that they are any less attractive.
Ahhhh, and here it comes. Another BIG DECISION. I've made a couple of these since my really Last BD. My LBD that I really screwed up was giving up my scholarship opportunity and moving with my family, without a doubt one of the stupidest things I ever did. The other BD since then have regarded moving again with the family (a BD I don't regret though it didn't really help me out career wise, really) and joining the military (only to be discharged the first week of boot camp due to a medical condition regarding the eyes that had been overlooked in the initial MEPS exam. How they missed it is beyond me, but whatever. Even though I had to wait eight months to even get to the boot camp, I could have been doing other things, but oh well. I can't say I really regret or don't regret it since it turned out that way. At least I can say it was an option fully explored). So this comes to the new REALLY BID DECISION. Do I stay here and pursue my degree or travel and pursue my degree later in life. I don't know. I really don't want to be 30 and degree and still have to work jobs that end in nothing but deads ends. I feel like these jobs have eaten away my early 20s and will eat up the rest of my mid-20s and probably my late 20s as well if I don't attend the university.
But WHYYYYYYYYYY do we have to be in below 50 degrees Alaska?! Ahhhh, I don't know really. I have no clue what I'm doing. I don't know how everyone else seems to be just..... I don't know how to describe it. Before I gave up my scholarship I was in a really good vibe and just everything always fell into place, but ever since I regrettable gave it up I've felt like everything has fallen apart all around me and I just keep banging my head up on a brick wall and nothing is like it was before and it'll never be again? I dunno. But I want to believe I'll get back in my groove again and actually be HAPPY like I used to be, but it seems that happiness or even just plain contentedness has eluded me for almost five years now and is that it? I mean, was that scholarship my ONE SHOT at having a life I wouldn't be horribly ashamed and depressed and want to kill myself over??? Is that all we get? Is there really no second chances ever?
I don't understand. I don't feel like I should be entitled to anything. I mean, I worked to find that scholarship and I just want to know why I could never attend college in the freakin state we came from because the advisor always refused to approve my classes. Freakin' Dr. Mary Howe. I hope she has an unpleasant life. I need to get past this. I need to.... I need to.......... figure things out and I need to put things together because things aren't going to fall into place..... maybe that's the new look I need to have. Things won't fall into place because I have to put them into place. Perhaps if I approach life with this type of attitude things will work out better? I've been praying and I just don't know anymore.
Ah, I'm done with my soul searching post.
On that note, I will hopefully be earning some extra cash to pay off my debts to Capital One and Chase. I only have one more payment to Capital One and next week I get my PAYCHECK!!!!!!!!!
Saturday, October 9, 2010
My Best Interests
I hate my mother so much. Every time I see her, my mind always flashes back to the fact she thought it would be in MY best interest to give up a free education and move with the family. Yeah, right, more like in her best interests. What a selfish little bitch. Yeah, mom, I'm glad you robbed me of a decent life so you could have a built in baby-sitter. Screw you.
Friday, October 8, 2010
I Just Read the Most Awesome Thing in the World: "FBI Scam"
This is courtesy of Yahoo and I laughed my ass off, I thought it was so hilarious!! I felt kind of bad for the poor person freaking out thinking the FBI might be scamming them, but HAHA!! It was just too freaking funny and the replies were rich, too!!
by Kittysue 
Resolved Question
Show me another »I think I'm getting scammed by the FBI?
OMG! Please help me. I'm not sure if it's even the FBI, but maybe someone trying to be the FBI! Okay, so a few weeks back, I wanted to sell my hair on TheHairTrader.com and i got a bid for $120. I said okay. This guy keeps emailing me of whether or not I got the check or not. FORTUNATELY, i haven't. Then I get an email today from someone named Robert Mueller or posing as him, saying
"They have been the only problem in your life since they promise to give you fraudulent money which is fake money and The Transfer of the Estate of Late Engr. Steve Moore valued at $27M . but we are the internet F B I security and combination with E F C C in african .So we need to help you alot now so you will never have any problem and you will be save from scam and fraudulent.
AND HERE IS OUR UNITED STATE F.B.I WEB-SITE FOR YOU TO KNOW THAT WE ARE FOR REAL ONLINE NOT PLAYING GAME WITH YOU ONLINE OKAY.
WEB-SITE : http://www.fbi.gov/libref/directors/directmain.htm
Now the E.F.C.C in combination with F.B.I. Internet Research Worldwide, Need more information from you....So that we can get all your money back for you with some interest for you...As from now the E.F.C.C in combination with F.B.I. Internet Research Worldwide,....Bcos the E.F.C.C in combination with F.B.I. Internet Research Worldwide are after you ......Bcos the E.F.C.C in combination with F.B.I. Internet Research Worldwide,Want to save you from Fraudlent and Scam...
So get back to us now immediately you read this email ...So that you can give us more information about this ......So that you will not go to Jail with you .......And you can get all your Lost Money Back.
Thank's
Manager E.F.C.C in combination with F.B.I. Internet Research Worldwide
Robert Mueller.
fbi_fruadinvestigation_online@rocketma… <---- is that real?
Is this real??? what if they ask for even more information like my social security number and other personal information! what do I do??? I am freaking out and I don't know if I should trust this email....I'm just a freshman in college, why does this have to happen to me? I just want to know if there's any one that can help, no SCAMMERS please, that can help and figure out if this is the real deal.
"They have been the only problem in your life since they promise to give you fraudulent money which is fake money and The Transfer of the Estate of Late Engr. Steve Moore valued at $27M . but we are the internet F B I security and combination with E F C C in african .So we need to help you alot now so you will never have any problem and you will be save from scam and fraudulent.
AND HERE IS OUR UNITED STATE F.B.I WEB-SITE FOR YOU TO KNOW THAT WE ARE FOR REAL ONLINE NOT PLAYING GAME WITH YOU ONLINE OKAY.
WEB-SITE : http://www.fbi.gov/libref/directors/directmain.htm
Now the E.F.C.C in combination with F.B.I. Internet Research Worldwide, Need more information from you....So that we can get all your money back for you with some interest for you...As from now the E.F.C.C in combination with F.B.I. Internet Research Worldwide,....Bcos the E.F.C.C in combination with F.B.I. Internet Research Worldwide are after you ......Bcos the E.F.C.C in combination with F.B.I. Internet Research Worldwide,Want to save you from Fraudlent and Scam...
So get back to us now immediately you read this email ...So that you can give us more information about this ......So that you will not go to Jail with you .......And you can get all your Lost Money Back.
Thank's
Manager E.F.C.C in combination with F.B.I. Internet Research Worldwide
Robert Mueller.
fbi_fruadinvestigation_online@rocketma… <---- is that real?
Is this real??? what if they ask for even more information like my social security number and other personal information! what do I do??? I am freaking out and I don't know if I should trust this email....I'm just a freshman in college, why does this have to happen to me? I just want to know if there's any one that can help, no SCAMMERS please, that can help and figure out if this is the real deal.
Additional Details
OKAy. now that we know that's done with: they're frauds. So, the hair trader person I am waiting for the check is also part of the scam? if he is, I will file a complaint at the internet crime complaint center.
2 months ago
by Kittysue - Member since:
- March 02, 2010
- Total points:
- 42737 (Level 7)
- Badge Image:
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- Contributing In:
- Spam & Bulk Mail
- London
- Other - Beauty & Style
Best Answer - Chosen by Asker
Robert Mueller is the HEAD of the FBI. He is not going to waste his time emailing individuals about money - if you are not the president of a country or a senator, there is NO way you'd have any contact with the head of the FBI.
And somehow I doubt the head of a major government agency is going to have such a poor command of the English language, especially one who has degrees from both Princeton and NYU
"They have been the only problem in your life since they promise to give you fraudulent money which is fake money and The Transfer of the Estate of Late Engr. Steve Moore valued at $27M . but we are the internet F B I security and combination with E F C C in african .So we need to help you alot now so you will never have any problem and you will be save from scam and fraudulent." -- is obviously not written by a native English speaker, especially an Ivy League educated one.
The Hair Trader person is part of the scam - they are all the same person. The hair trader buyer, the FBI, the EFCC and any other emails you get.
And somehow I doubt the head of a major government agency is going to have such a poor command of the English language, especially one who has degrees from both Princeton and NYU
"They have been the only problem in your life since they promise to give you fraudulent money which is fake money and The Transfer of the Estate of Late Engr. Steve Moore valued at $27M . but we are the internet F B I security and combination with E F C C in african .So we need to help you alot now so you will never have any problem and you will be save from scam and fraudulent." -- is obviously not written by a native English speaker, especially an Ivy League educated one.
The Hair Trader person is part of the scam - they are all the same person. The hair trader buyer, the FBI, the EFCC and any other emails you get.
- Asker's Rating:
- Asker's Comment:
- Thank you all so much. Everyone had basically the same message but kittysue answered the hair trader part. i don't know if this is a bad thing but i replied and told them that I filed a complaint at the internet crime complaint center and forwarded it to them. they have stopped emailing me.Hopefully
Thursday, October 7, 2010
Chase is Sorry Again. We're Not Falling for It
steve1971 | 19/12/09
This is just the blog I've been looking for. I just got off the phone with Chase from yet another dissappointing experience… This time reflected their unwillingness to support 9 years of dedication and excellent credit… here's the essense of our conversation:
“How can I help you?”
“Yes, I'm living abroad and on occasion need to make a rare cash advance, but see that I am paying 26.89% interest. I pay off my credit card every month and have been a good customer for 9 years. What can we do to lower the interest rate?”
“I'm sorry, sir, unfortunately we're not lowering interest rates at this time.”
“Other credit cards do and you have in the past, but then it tends to go up again… can't you lower the rate for long-term, dedicated VIP customers?”
“I'm sorry, sir, we cannot.”
“Hmm, that's too bad… I have other credit cards here with lower interest, I guess I'll just have to stop using my Chase card.”
“I'm sorry, sir.”
“It's a shame… thank you for your 'guidance.'”
“Thank you, sir, you have a good day.”
I don't know about you… but something just doesn't seem right. No suggestions, no alternatives… just a big wall to keep sticking thumbtacks into… why not a window of opportunity?
http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
Oh, great someone else who is SORRY. Yeah, right.
This is just the blog I've been looking for. I just got off the phone with Chase from yet another dissappointing experience… This time reflected their unwillingness to support 9 years of dedication and excellent credit… here's the essense of our conversation:
“How can I help you?”
“Yes, I'm living abroad and on occasion need to make a rare cash advance, but see that I am paying 26.89% interest. I pay off my credit card every month and have been a good customer for 9 years. What can we do to lower the interest rate?”
“I'm sorry, sir, unfortunately we're not lowering interest rates at this time.”
“Other credit cards do and you have in the past, but then it tends to go up again… can't you lower the rate for long-term, dedicated VIP customers?”
“I'm sorry, sir, we cannot.”
“Hmm, that's too bad… I have other credit cards here with lower interest, I guess I'll just have to stop using my Chase card.”
**silence**
“And perhaps it's in my best interest to consider cancelling, even after such a long time.”“I'm sorry, sir.”
“It's a shame… thank you for your 'guidance.'”
“Thank you, sir, you have a good day.”
I don't know about you… but something just doesn't seem right. No suggestions, no alternatives… just a big wall to keep sticking thumbtacks into… why not a window of opportunity?
http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
Oh, great someone else who is SORRY. Yeah, right.
More Infamy Posts
I BEG TO ALL WITH CHASE COMPLAINTS!! PLEASE SWAMP THEM WITH CALLS TO THIS NUMBER. TO THE EXECUTIVE BRANCH OF CHASE IN ILL. 1-888-622-7547 8AM-4PM.I WROTE TO THE BBB.THATS HOW I GOT A FOOT IN DOOR. BUT CALL AND SWAMP THESE IDIOTS…ABOUT OUR CONCERNS…MICH. EXT 4303 LISA
Jeff | 22/04/09
BOYCOTT CHASE! WORST CUSTOMER SERVICE EVER! ABSOLUTELY RIDICULOUS AND UNPROFESSIONAL!
I called in the other day because I did not receive my bill. I called in several different times and got several different stories. First, a bill was mailed out and apparently it was not their fault I did not receive it. I called in again to find out that my statements had been changed to paperless and therefore I would not have received it in the mail. I called once again to find out that my bill indeed had gone paperless, but they also mailed a paper statement to me. Because of this dilemma I was charged a late fee. I told the them that I never changed my statement and therefore should not be liable to these charges, and each of them were not helpful at all. Hence, I asked to speak to the supervisor and she HAD THE AUDACITY TO SIMPLY CLOSE MY ACCOUNT IF I WAS DISSATISFIED WITH THE SERVICE. DAMN RIGHT IM DISSATISFIED. The power of that choice resides with the customer; the company should not be rudely turning away customers and not help to resolve the problem. I was shocked and asked if I could speak to an higher authority and was told that I should simply close the account again. Consequently, I asked them how I should file a customer complaint and she said I would have to mail or fax them a formal letter, with which a response from the company could be as soon as 48 hours up to 30 DAYS.
I SAY EVERYONE FILE CUSTOMER COMPLAINTS ABOUT THE OUTRAGEOUS CUSTOMER SERVICE!!!!
correspondents
P.O. 15298
Wilmington, Delaware
19850-5298
1-888-643-9628
GO FILE A COMPLAINT AND BOYCOTT CHASE!
Madison Zorn | 3/08/09
I am so tired of la-de-da thinking of the glass as 1/2 full bullshit mentality. When you are riding down the Interstate on rims it is plain idiosy to say “think of the brightside la-de-da”!! We are doing the most we can do about it. Blogging is getting the word out and giving us more power than we have ever had previously. This blog isn’t for checking and savings accounts….the people with high credit cards are having the game changed mid stream. Bank of America is the worst and then someone put the seedpod in Chase’s cellar bank vault and they are vying for most evil “massah” title!
They are forcing people who have never paid anything late to declare bankruptsy.
As I have said previously:
“The greed of the corporate SS Enron mentality is single handedly destroying this country more effectively than the Taliban, North Korea and and Ach My Dinner Jacket.”
So Who Cares wake up.
Donald | 4/08/09
Change in Chase Bank Credit Card Policy:
I just received a statement from Chase that states:
“Your minimum payment due will increase from 2% to 5% of the ending balance on your monthly statement.”
This will increase my payment by 250%!! Is this how Chase is helping the economy? Is this how they treat customers?
How does Chase respond? “We are responding to the economy. If you do not pay the 5% payment you will be in default. We can not help you. If you have a problem, go see a credit counselor.”
Donald
P.S. For the record, my account is current, with no missed payments.
Screw Chase to the Max | 10/08/09
I have been telling all my friends and relatives, neighbors and people I meet from places that I go to (whom I start with friendly day to day conversations). Chase is THE THEIF BANK OF AMERICA ran by Lucifer himself. If you work for Chase, your soul is in great danger!
Doug | 30/08/09
Hey Chase! Thanks for tripling my monthly payment on the 2.99% till paid in full balance transfer that YOU SENT ME. I was smart with my money, always paid you on time and even paid extra. Now, you raise my “minimum” to 5%. Not so great when I transferred a car loan to it. I will bad mouth you till I die or the feds shut you down!
markharden | 9/09/09
Could not believe this bank wanted to charge me $6.00 to cash a personal check
from thier bank, because I don't have an account there! I will never do business this company again. The guy at the party store only charged me $2.00!
Name | 30/09/09
Chase is the worst. I had accounts with WAMU for twenty years in Florida. They “chase”d me out. I'll never do any more business with them.
WellstonesGhost | 28/10/09
Friends DON'T LET FRIENDS us Chase Credit.
Pass it on…
RippedoffWidow1 | 19/11/09
I received two letters from chase bank saying here’s some checks with a limit of 10,800.00 use them to pay off your debt so I decided to use one of the checks at 0% interest to pay my debts after I deposited the check they sent me a letter saying they lowered my limit to 500.00 and now I am over the limit and bounced a check this is not right!!! I will not be victim of Chase Banks deceptive, and unfair business practices!
I don’t think this will look good in court Chase vs. Widow!
I am not the only one other Chase credit card users report that their cards are being unexpectedly canceled and or the terms are being contradictorily changed one day they send you a check and the next they cancel your card.
This is a serious unjust scam it is unfair!
I AM CLOSING ALL MY ACCOUNTS WITH CHASE BANK.
THE NEXT STEP IS PEOPLE VS CHASE BANK! And trust me after reading the comments of outraged customers online I have faith the People will win! Here‘s a just a few outraged customers there are many more.
http://banking.about.com/b/2009/07/14/watch-you...
http://www.Ripoffreport.com
http://www.consumeraffairs.com
http://www.scam.com
taken from http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
Jeff | 22/04/09
BOYCOTT CHASE! WORST CUSTOMER SERVICE EVER! ABSOLUTELY RIDICULOUS AND UNPROFESSIONAL!
I called in the other day because I did not receive my bill. I called in several different times and got several different stories. First, a bill was mailed out and apparently it was not their fault I did not receive it. I called in again to find out that my statements had been changed to paperless and therefore I would not have received it in the mail. I called once again to find out that my bill indeed had gone paperless, but they also mailed a paper statement to me. Because of this dilemma I was charged a late fee. I told the them that I never changed my statement and therefore should not be liable to these charges, and each of them were not helpful at all. Hence, I asked to speak to the supervisor and she HAD THE AUDACITY TO SIMPLY CLOSE MY ACCOUNT IF I WAS DISSATISFIED WITH THE SERVICE. DAMN RIGHT IM DISSATISFIED. The power of that choice resides with the customer; the company should not be rudely turning away customers and not help to resolve the problem. I was shocked and asked if I could speak to an higher authority and was told that I should simply close the account again. Consequently, I asked them how I should file a customer complaint and she said I would have to mail or fax them a formal letter, with which a response from the company could be as soon as 48 hours up to 30 DAYS.
I SAY EVERYONE FILE CUSTOMER COMPLAINTS ABOUT THE OUTRAGEOUS CUSTOMER SERVICE!!!!
correspondents
P.O. 15298
Wilmington, Delaware
19850-5298
1-888-643-9628
GO FILE A COMPLAINT AND BOYCOTT CHASE!
Madison Zorn | 3/08/09
I am so tired of la-de-da thinking of the glass as 1/2 full bullshit mentality. When you are riding down the Interstate on rims it is plain idiosy to say “think of the brightside la-de-da”!! We are doing the most we can do about it. Blogging is getting the word out and giving us more power than we have ever had previously. This blog isn’t for checking and savings accounts….the people with high credit cards are having the game changed mid stream. Bank of America is the worst and then someone put the seedpod in Chase’s cellar bank vault and they are vying for most evil “massah” title!
They are forcing people who have never paid anything late to declare bankruptsy.
As I have said previously:
“The greed of the corporate SS Enron mentality is single handedly destroying this country more effectively than the Taliban, North Korea and and Ach My Dinner Jacket.”
So Who Cares wake up.
Donald | 4/08/09
Change in Chase Bank Credit Card Policy:
I just received a statement from Chase that states:
“Your minimum payment due will increase from 2% to 5% of the ending balance on your monthly statement.”
This will increase my payment by 250%!! Is this how Chase is helping the economy? Is this how they treat customers?
How does Chase respond? “We are responding to the economy. If you do not pay the 5% payment you will be in default. We can not help you. If you have a problem, go see a credit counselor.”
Donald
P.S. For the record, my account is current, with no missed payments.
Screw Chase to the Max | 10/08/09
I have been telling all my friends and relatives, neighbors and people I meet from places that I go to (whom I start with friendly day to day conversations). Chase is THE THEIF BANK OF AMERICA ran by Lucifer himself. If you work for Chase, your soul is in great danger!
Doug | 30/08/09
Hey Chase! Thanks for tripling my monthly payment on the 2.99% till paid in full balance transfer that YOU SENT ME. I was smart with my money, always paid you on time and even paid extra. Now, you raise my “minimum” to 5%. Not so great when I transferred a car loan to it. I will bad mouth you till I die or the feds shut you down!
markharden | 9/09/09
Could not believe this bank wanted to charge me $6.00 to cash a personal check
from thier bank, because I don't have an account there! I will never do business this company again. The guy at the party store only charged me $2.00!
Name | 30/09/09
Chase is the worst. I had accounts with WAMU for twenty years in Florida. They “chase”d me out. I'll never do any more business with them.
WellstonesGhost | 28/10/09
Friends DON'T LET FRIENDS us Chase Credit.
Pass it on…
RippedoffWidow1 | 19/11/09
I received two letters from chase bank saying here’s some checks with a limit of 10,800.00 use them to pay off your debt so I decided to use one of the checks at 0% interest to pay my debts after I deposited the check they sent me a letter saying they lowered my limit to 500.00 and now I am over the limit and bounced a check this is not right!!! I will not be victim of Chase Banks deceptive, and unfair business practices!
I don’t think this will look good in court Chase vs. Widow!
I am not the only one other Chase credit card users report that their cards are being unexpectedly canceled and or the terms are being contradictorily changed one day they send you a check and the next they cancel your card.
This is a serious unjust scam it is unfair!
I AM CLOSING ALL MY ACCOUNTS WITH CHASE BANK.
THE NEXT STEP IS PEOPLE VS CHASE BANK! And trust me after reading the comments of outraged customers online I have faith the People will win! Here‘s a just a few outraged customers there are many more.
http://banking.about.com/b/2009/07/14/watch-you...
http://www.Ripoffreport.com
http://www.consumeraffairs.com
http://www.scam.com
taken from http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
The Sad Truth about Chase: Delaware Law
Elizabeth | 30/01/09
I don’t think you can get them using class action. They are registered under Delaware law and that law allows them to make any changes to the credit card terms. If you noticed, they don’t make changes to your promotional offer. They are raising minimum payments from 2 to 5%, adding fees or increasing interest rate and if you don’t agree they’ll close your account. By doing so they are making you to agree to the new contract. Once you agree to the new terms you’re toast. But there must be something in it because their new offers are spelled correctly. There is no mentioning of “until paid in full” and they state clearly that they can change the terms at any time. The question is: What do their lawyers know that the entire American Bar Association doesn’t?
Ripped from http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
Go there and read all the other people's problems regarding Chase.
I don’t think you can get them using class action. They are registered under Delaware law and that law allows them to make any changes to the credit card terms. If you noticed, they don’t make changes to your promotional offer. They are raising minimum payments from 2 to 5%, adding fees or increasing interest rate and if you don’t agree they’ll close your account. By doing so they are making you to agree to the new contract. Once you agree to the new terms you’re toast. But there must be something in it because their new offers are spelled correctly. There is no mentioning of “until paid in full” and they state clearly that they can change the terms at any time. The question is: What do their lawyers know that the entire American Bar Association doesn’t?
Ripped from http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-service/
Go there and read all the other people's problems regarding Chase.
Posts to Live on In Infamy
Lila | 21/01/09
My story is similar. I took out a loan on my Chase Visa two and a half years ago for 3.99% for the life of the loan, to cover unavoidable medical expenses. I have an excellent credit rating, and have never had a late payment. I also have had my minimum payment raised from 2% to 5%, and a $10 monthly service fee added to the account. I’ve been told that my only other option is to switch to a rate of 7.99%, which would be “locked in” only until January of 2011 — after that, it’s through the roof. I have been making complaints to various interested organizations and individuals, and want to post that list here to make it available to others who might also want to complain (and who hope that some good may come of it). Here is that list:
Filed a complaint with the Comptroller of the Currency’s Customer Service Specialist (This can be done via email or telephone. I think they had a regular mail address, too — but I don’t have it.):
Customer.Assistance@occ.treas.gov
or call: 1-800-613-6743
Filed a complaint via email with the FDIC:
consumeralerts@fdic.gov
Contacted the U.S. Senate Committee on Banking:
http://banking.senate.gov/public/
Contacted the House Financial Services Committee:
http://financialservices.house.gov/
Contacted both of my senators:
http://senator’s last name].senate.gov
Contacted my representative in the U.S. House:
Go to: http://www.house.gov/ to look up yours
Filed a complaint at ConsumerAffairs.com:
This company gathers consumer complaints from the public, and makes that information available to the press and to lawyers (who might consider a class-action suit).
https://www.consumeraffairs.com/php/a_report.php
Contacted customer service at the company whose name is advertised on my card:
Mine is an Amazon Visa from Chase, for example. I figured they would be interested to know that Chase is damaging their good name by association. I also wrote to their CEO, Jeff Bezos at: jeff@amazon.com I don’t know how to contact Starbucks, or any of the other businesses affiliated with Chase’s card program, but assume that many of them would be interested, and displeased with this practice, too.
I am thinking of contacting the newspaper in my area, as well.
Good luck to whomever else Chase is screwing in this way. Once I can pay off my Chase cards, I will boycott them for the rest of my life.
My story is similar. I took out a loan on my Chase Visa two and a half years ago for 3.99% for the life of the loan, to cover unavoidable medical expenses. I have an excellent credit rating, and have never had a late payment. I also have had my minimum payment raised from 2% to 5%, and a $10 monthly service fee added to the account. I’ve been told that my only other option is to switch to a rate of 7.99%, which would be “locked in” only until January of 2011 — after that, it’s through the roof. I have been making complaints to various interested organizations and individuals, and want to post that list here to make it available to others who might also want to complain (and who hope that some good may come of it). Here is that list:
Filed a complaint with the Comptroller of the Currency’s Customer Service Specialist (This can be done via email or telephone. I think they had a regular mail address, too — but I don’t have it.):
Customer.Assistance@occ.treas.gov
or call: 1-800-613-6743
Filed a complaint via email with the FDIC:
consumeralerts@fdic.gov
Contacted the U.S. Senate Committee on Banking:
http://banking.senate.gov/public/
Contacted the House Financial Services Committee:
http://financialservices.house.gov/
Contacted both of my senators:
http://senator’s last name].senate.gov
Contacted my representative in the U.S. House:
Go to: http://www.house.gov/ to look up yours
Filed a complaint at ConsumerAffairs.com:
This company gathers consumer complaints from the public, and makes that information available to the press and to lawyers (who might consider a class-action suit).
https://www.consumeraffairs.com/php/a_report.php
Contacted customer service at the company whose name is advertised on my card:
Mine is an Amazon Visa from Chase, for example. I figured they would be interested to know that Chase is damaging their good name by association. I also wrote to their CEO, Jeff Bezos at: jeff@amazon.com I don’t know how to contact Starbucks, or any of the other businesses affiliated with Chase’s card program, but assume that many of them would be interested, and displeased with this practice, too.
I am thinking of contacting the newspaper in my area, as well.
Good luck to whomever else Chase is screwing in this way. Once I can pay off my Chase cards, I will boycott them for the rest of my life.
Wednesday, October 6, 2010
Chase Sucks Ass and Needs to Go to Hell
If you ever even think about joining Chase or using their credit card, do yourself a favor and just kill yourself right on the spot. It will be less painful for you in the long run.
So, I finally got through to them obviously. A woman with a Southern accent faking sympathy (which I really don't want; I just wanted to work out a payment, not hear I'm sorry every other sentence) named Sharon is the woman I spoke with. She's part of the settlement department. Of course, anyone with a Southern accent is usually fake and sweet to you and bitchy behind your back. I'm from the South and all my family lives there. I know the game of Southern "Hospitality." More like Southern Bullshit.
I called and explained my situation, I told her how much I make exactly what is in my bank account, what I could be expecting to get and asked if I could work out a plan similar to what I did with Capital One. Basically, she told me NO. (after a string of fake "I'm sorry, but the way our system works....." "I"m sorry, but with the way Chase is set up....." "I'm sorry, but"...... You know what? I'm sorry, but fuck you, Sharon. Fuck you, Chase. )
The only thing I could do was make a lump sum payment of $2,840 right there. Never mind that I only have $500 in my accounts ( I did make my Capital One payment by the way). So, apparently, now the Chase credit card with a balance of $3,340.54 is in settlement waiting to go to an outside agency. I'm not sure if she was using this as a threat, though. I mean, seriously? An outside agency still after I just called and tried to work something out? Sure, I haven't paid it in four months, but I was paying it consistently through the debt consolidation up until I became unemployed and they so graciously dropped me from the program.
So, Capital One can work out a plan, but Chase is unable to? Chase was the bank I ACTUALLY BANKED WITH!!!! I never even banked with Capital One and they're more willing to work with me?!
My favorite part was when she suggested for me to draw from my 401K. Yeah, because backwaits have 401Ks. And, see, this was the point where Capital One was willing to work with me based around my income. Chase is NOT.
Anyway, at this point, I really don't know what to do. I might seriously have to seek out a bankruptcy lawyer, though I'm hoping not because in the end the fees would probably equal up the lump sum and if I could get a due by date or just pay it in four little chunks, then we could probably be done with it.
Oh, but Sharon said even if I did go into a payment agreement with her and make chunk payments with the way Chase's system works, apparently I could still be sent to an outside agency even while making the payments. Unless I pay the lump sum. What the fuck? How messed up is that? Forgive me, Chase, for trying. Funny, I'm just as behind on Capital One's credit payments yet they could work with me and I never banked with them or paid fees outta my ass to them. What the fuck ever. May Sharon have her car break down and die, become unemployed, and get medically discharged from the military all in the same year. Oh, yeah, and have an alcoholic mother to put up with to boot. I don't expect her/Chase to feel bad for me, but I DO expect them to WORK with me. It's not rocket science, people.
So, I finally got through to them obviously. A woman with a Southern accent faking sympathy (which I really don't want; I just wanted to work out a payment, not hear I'm sorry every other sentence) named Sharon is the woman I spoke with. She's part of the settlement department. Of course, anyone with a Southern accent is usually fake and sweet to you and bitchy behind your back. I'm from the South and all my family lives there. I know the game of Southern "Hospitality." More like Southern Bullshit.
I called and explained my situation, I told her how much I make exactly what is in my bank account, what I could be expecting to get and asked if I could work out a plan similar to what I did with Capital One. Basically, she told me NO. (after a string of fake "I'm sorry, but the way our system works....." "I"m sorry, but with the way Chase is set up....." "I'm sorry, but"...... You know what? I'm sorry, but fuck you, Sharon. Fuck you, Chase. )
The only thing I could do was make a lump sum payment of $2,840 right there. Never mind that I only have $500 in my accounts ( I did make my Capital One payment by the way). So, apparently, now the Chase credit card with a balance of $3,340.54 is in settlement waiting to go to an outside agency. I'm not sure if she was using this as a threat, though. I mean, seriously? An outside agency still after I just called and tried to work something out? Sure, I haven't paid it in four months, but I was paying it consistently through the debt consolidation up until I became unemployed and they so graciously dropped me from the program.
So, Capital One can work out a plan, but Chase is unable to? Chase was the bank I ACTUALLY BANKED WITH!!!! I never even banked with Capital One and they're more willing to work with me?!
My favorite part was when she suggested for me to draw from my 401K. Yeah, because backwaits have 401Ks. And, see, this was the point where Capital One was willing to work with me based around my income. Chase is NOT.
Anyway, at this point, I really don't know what to do. I might seriously have to seek out a bankruptcy lawyer, though I'm hoping not because in the end the fees would probably equal up the lump sum and if I could get a due by date or just pay it in four little chunks, then we could probably be done with it.
Oh, but Sharon said even if I did go into a payment agreement with her and make chunk payments with the way Chase's system works, apparently I could still be sent to an outside agency even while making the payments. Unless I pay the lump sum. What the fuck? How messed up is that? Forgive me, Chase, for trying. Funny, I'm just as behind on Capital One's credit payments yet they could work with me and I never banked with them or paid fees outta my ass to them. What the fuck ever. May Sharon have her car break down and die, become unemployed, and get medically discharged from the military all in the same year. Oh, yeah, and have an alcoholic mother to put up with to boot. I don't expect her/Chase to feel bad for me, but I DO expect them to WORK with me. It's not rocket science, people.
Friday, October 1, 2010
Chase Delayed Again
So, this time it turns out we had to wait to get my brother's estimate on the car so I'd know how much money I have and I blame Denny's, too since we wound up being in there for over an hour. Which cut right into my planned time to speak with Chase. Ah, well, what's two more days at this point? I'll just call Monday when they're opened again.
No Cellphone
A little while ago, due to financial circumstances, I wound up without a cell phone.
It was been a great stress relief for the most part with the occasional exception here and there.
No more having my mother call me twice at the grocery store to let me know about items she forgot to include on the list, not 2-3 texts from my sisters about stuff they want. No more asking constantly why I haven't answered the phone, no longer being on call 24/7 for my family members. It's been great!
Granted, sometimes, I wish I could just be able to call my friends, but since I only talked to them every once in awhile on the phone and didn't text much, I think it's been worth it!
It was been a great stress relief for the most part with the occasional exception here and there.
No more having my mother call me twice at the grocery store to let me know about items she forgot to include on the list, not 2-3 texts from my sisters about stuff they want. No more asking constantly why I haven't answered the phone, no longer being on call 24/7 for my family members. It's been great!
Granted, sometimes, I wish I could just be able to call my friends, but since I only talked to them every once in awhile on the phone and didn't text much, I think it's been worth it!
My Own Little Piece of Cyberspace
I love just being nestled away, hidden from the cyberworld for the most part. As if this really is my own space. I didn't get that sense with myspace, facebook, gaia, or other sites. Only Penzu came close but it almost felt too personal and isolated, thought I do like Penzu, don't get me wrong; I just had all my settings set to private due to some very personal information contained within the pages.
But here, I feel free to rant and rave and just clear my mind and get everything out of my mind, in order, and where I can see it and refer back to it. I wish I would have done something like this years ago, but I wish for a lot of things. I'm changing it all now and that's what's important.
This is really the only time I've ever used the username "korf" so if you see it elsewhere on the internet, probably not me. I only have it one other place and that's a very obscure RP site that I never actually posted in.
It feels really good just to let it all out and I love it!
But here, I feel free to rant and rave and just clear my mind and get everything out of my mind, in order, and where I can see it and refer back to it. I wish I would have done something like this years ago, but I wish for a lot of things. I'm changing it all now and that's what's important.
This is really the only time I've ever used the username "korf" so if you see it elsewhere on the internet, probably not me. I only have it one other place and that's a very obscure RP site that I never actually posted in.
It feels really good just to let it all out and I love it!
Kingdom Hearts: Birth By Sleep
POSSIBLE SPOILERS within THIS POST
So, I'm gonna try to plunder through the newest Kingdom Hearts release!! YAY!
I'm starting out as Aqua as has been recommended since her story is supposedly the weakest and a bit tiring if you play it last from what I've heard.
~~Update #1: I am Aqua and have gotten past the Cinderella story, the Snow White one, and am currently in the Mirage Arena, dreading my upcoming battle with Maleficient which my brother has been trying to beat for a little while now. So, I'm hoping to get some special stuff in the Arena before heading over to Sleeping Beauty's world.
So far Aqua has seemed more of an observer than a big player in the storyline so I am kind of glad I'm not ending with her, although I'm kinda wishing I could hurry up with her and get to the next stories.
On that note, for a chick character, she's pretty sweet. Not as awesome as Judith from Tales of Vesperia, but still pretty awesome!
What I Like!
Of course I have to have a fun and positive list! This list could go on and on, so I'll try to condense it as much as I can!
At the top of the list would be Jesus. (Not religion but Jesus Christ)
Family!
Friends!
Traveling
Love
Grace
Forgiveness
Pictures of awesome places
My Future Credit Score 700
That's a very general list, now I shall list stuff that requires sub-categories
TV
a. Avatar The Last Airbender
b. The Nanny
c. Everybody Hates Chris
d. George Lopez
e. Home Improvement
f. Leverage
g. CSI
h. Clean House
i. Top Chef
j. Bravo Marathons
k. America's Next Top Model
l. VH1's List shows; Great Debates, Top 100 Songs, etc.
m. MTV's Jumpstart
n. Dragon Ball Z Kai
Music
Will Smith
Puff Daddy
Thousand Foot Krutch
DC Talk
Skillet
Switchfoot
Relient K
Manic Drive
Manafest
TobyMac
Beckah Shae
Crystal Lewis
Steven Curtis Chapman
Newsboys
Kutless
Jars of Clay
Linkin Park
Chevelle
Whitesnake
Pink Floyd
Queen
U2
The Rolling Stones
Guns'N'Roses
Pearl Jam
RED HOT CHILI PEPPERS
Creed
R.E.M
Black Eyed Peas
Kings of Leon
Sevendust
JIMMY EAT WORLD
LED ZEPPELIN
Breaking Benjamin
Evan's Blue
Hawthorne Heights
Staind
Train
Alexisonfire
Alison Krause
Ghostbusters Theme
Bruno Mars
Kevin Rudolph
Taio Cruz
Enrique Iglesias
Sara Bareilles
Books
The Girl with a Pearl Earring
Harry Potter series
Percy Jackson series
Janette Oak
Star Wars Trilogy
Games
KINGDOM HEARTS
PERFECT DARK
DUKENUKEM
Halo
Gears of War
Mario
TRAUMA CENTER 2
Tales of Vesperia
FFX
The World Ends with You
Time Hollow
Phoenix Wright Series
And that's all I got for now. I'll add on and edit as I see fit. I highlighted SOME favorites. I might make a separate post of just favorites especially concerning music since I always try to give everything a fair shot.
That's all for now!
At the top of the list would be Jesus. (Not religion but Jesus Christ)
Family!
Friends!
Traveling
Love
Grace
Forgiveness
Pictures of awesome places
My Future Credit Score 700
That's a very general list, now I shall list stuff that requires sub-categories
TV
a. Avatar The Last Airbender
b. The Nanny
c. Everybody Hates Chris
d. George Lopez
e. Home Improvement
f. Leverage
g. CSI
h. Clean House
i. Top Chef
j. Bravo Marathons
k. America's Next Top Model
l. VH1's List shows; Great Debates, Top 100 Songs, etc.
m. MTV's Jumpstart
n. Dragon Ball Z Kai
Music
Rap
EminemWill Smith
Puff Daddy
Christian
Group 1 CrewThousand Foot Krutch
DC Talk
Skillet
Switchfoot
Relient K
Manic Drive
Manafest
TobyMac
Beckah Shae
Crystal Lewis
Steven Curtis Chapman
Newsboys
Kutless
Jars of Clay
Rock (alt. and "real")
Papa RoachLinkin Park
Chevelle
Whitesnake
Pink Floyd
Queen
U2
The Rolling Stones
Guns'N'Roses
Pearl Jam
RED HOT CHILI PEPPERS
Creed
R.E.M
Black Eyed Peas
Kings of Leon
Sevendust
JIMMY EAT WORLD
LED ZEPPELIN
Breaking Benjamin
Evan's Blue
Hawthorne Heights
Staind
Train
Scream
EmeryAlexisonfire
Other:
Toni BraxtonAlison Krause
Ghostbusters Theme
Bruno Mars
Kevin Rudolph
Taio Cruz
Enrique Iglesias
Sara Bareilles
Books
The Girl with a Pearl Earring
Harry Potter series
Percy Jackson series
Janette Oak
Star Wars Trilogy
Games
KINGDOM HEARTS
PERFECT DARK
DUKENUKEM
Halo
Gears of War
Mario
TRAUMA CENTER 2
Tales of Vesperia
FFX
The World Ends with You
Time Hollow
Phoenix Wright Series
And that's all I got for now. I'll add on and edit as I see fit. I highlighted SOME favorites. I might make a separate post of just favorites especially concerning music since I always try to give everything a fair shot.
That's all for now!
Dislikes
So, figured I'd make a list of my general dislikes.
At the top of the list:
Interest charges, 22%
Credit Cards
My Current Credit Score 320
Overdraft "protection" $$$$
Hidden Bank Fees $$$$
Banks
Car Insurance Companies (namely, State Farm.)
Rude People
Snotty People
Mean People
Problems with Cars
a. brake pads
b. oil changes
c. tire blowouts
d. tire rotations
e. air in tires bi-monthly
f. putting gas in car $$$$
g. dents, scrapes
h. traffic jams
i. windshield wipers
j. warranties
k. cleanliness of car- interior and exterior
l. wrecks
m. pedestrians & bikers getting hit/run over by cars
n. cars break-down
o. car towing
p. monthly payments on both car and insurance
q. maintenance fees
r. dealing with mechanics
s. paying money just to find out your car can't be fixed and towed to a junkyard
RIP Plymouth Neon 2000
Cold weather
Tornadoes
Transferring school credits (K-12 and university level)
Humidity
IBS, acid reflux
Diabetes
Cancer
AIDS
General Health Issues
Doctor Bills
Medical Bills
People who think you are stupid for not having the same belief system as them.
How junk food is so cheap and tasty.
How health food isn't as tasty and cost more.
That I need to lose 15 pounds.
I think that's it for now. I'll add on and edit as I see fit.
At the top of the list:
Interest charges, 22%
Credit Cards
My Current Credit Score 320
Overdraft "protection" $$$$
Hidden Bank Fees $$$$
Banks
Car Insurance Companies (namely, State Farm.)
Rude People
Snotty People
Mean People
Bananas
Cars Problems with Cars
a. brake pads
b. oil changes
c. tire blowouts
d. tire rotations
e. air in tires bi-monthly
f. putting gas in car $$$$
g. dents, scrapes
h. traffic jams
i. windshield wipers
j. warranties
k. cleanliness of car- interior and exterior
l. wrecks
m. pedestrians & bikers getting hit/run over by cars
n. cars break-down
o. car towing
p. monthly payments on both car and insurance
q. maintenance fees
r. dealing with mechanics
s. paying money just to find out your car can't be fixed and towed to a junkyard
RIP Plymouth Neon 2000
Cold weather
Tornadoes
Transferring school credits (K-12 and university level)
Humidity
IBS, acid reflux
Diabetes
Cancer
AIDS
General Health Issues
Doctor Bills
Medical Bills
People who think you are stupid for not having the same belief system as them.
How junk food is so cheap and tasty.
How health food isn't as tasty and cost more.
That I need to lose 15 pounds.
I think that's it for now. I'll add on and edit as I see fit.
End of the Night Post
Got back from work around midnight; went to McDonald's because I was soooo hungry. Luckily we have 24/7 drive-thru. Even way up here, believe it or not. Ha, but MickeyD's is seriously not good for you health wise or financially, so don't follow this example.
Had a bit of trouble with the same server tonight, but less trouble and I think it'll be forgotten next time we see each other.
Looking forward to trying to work out a plan with Chase Bank tomorrow.
Talked to my sister; politely asked her to get her clothes out and ready before she goes to bed because the constant running in and out of the room, switching on and off the lights, and pushing the door open and close is really wrecking my sleep. Need to ask my other sister when I see her.
I believe tomorrow will be one whole week that I have consistently taken a multivitamin and esterC. Yay, trying to take care of myself here.
My brother will be hopefully fixing the car tomorrow, so that'll be a huge relief on top of the credit debt settlements. Also, hopefully I can head to Wells Fargo tomorrow. I couldn't today (and I did call and notify the rep.) because I had no vehicle. I hope it won't be the same story tomorrow in that area.
Had a bit of trouble with the same server tonight, but less trouble and I think it'll be forgotten next time we see each other.
Looking forward to trying to work out a plan with Chase Bank tomorrow.
Talked to my sister; politely asked her to get her clothes out and ready before she goes to bed because the constant running in and out of the room, switching on and off the lights, and pushing the door open and close is really wrecking my sleep. Need to ask my other sister when I see her.
I believe tomorrow will be one whole week that I have consistently taken a multivitamin and esterC. Yay, trying to take care of myself here.
My brother will be hopefully fixing the car tomorrow, so that'll be a huge relief on top of the credit debt settlements. Also, hopefully I can head to Wells Fargo tomorrow. I couldn't today (and I did call and notify the rep.) because I had no vehicle. I hope it won't be the same story tomorrow in that area.
Thursday, September 30, 2010
Will Try Again Tomorrow
So, now that I'm over my initial anger about being told the hour are closed yet again for Chase, I will try again tomorrow and pray things work out nicely.
I Hate Chase
It's two-freakin'-thirty my time and they're already close? So, wait, I can talk to Capital One at this time, but not Chase? What the f*ck?
Chase has always sucks when it comes to customer service. And it still is. I'm gonna try AGAIN tomorrow and if I can't get a settlement, screw it. I'll just file for bankruptcy and move on. I don't feel insanely guilty over Chase's since they charge such ridiculous interest rates! They're practically robbing people of money and totally fine with it and then stick you on an automated helpline for fifteen minutes before transferring you over only to hear some annoying, nasally voice say they're closed.
The bank if freakin' huge enough to have regional areas, it makes no sense why I have to cater to Eastern Time when I'm on the other side of the freakin' country. Seriously, they have no call centers in California?! I know they have one in Texas. So, what the heck?! It looks like tomorrow, I'll have to call the the second I GET UP.
Chase has always sucks when it comes to customer service. And it still is. I'm gonna try AGAIN tomorrow and if I can't get a settlement, screw it. I'll just file for bankruptcy and move on. I don't feel insanely guilty over Chase's since they charge such ridiculous interest rates! They're practically robbing people of money and totally fine with it and then stick you on an automated helpline for fifteen minutes before transferring you over only to hear some annoying, nasally voice say they're closed.
The bank if freakin' huge enough to have regional areas, it makes no sense why I have to cater to Eastern Time when I'm on the other side of the freakin' country. Seriously, they have no call centers in California?! I know they have one in Texas. So, what the heck?! It looks like tomorrow, I'll have to call the the second I GET UP.
Calling Chase Tomorrow
So, I was getting nervous about calling Chase because I googled their customer service and read a bunch of horror stories and couldn't find anything at all nice about them, except they are crooks trying to steal your money.
I decided to google Capital One customer service and found the exact same thing. Which was quite a relief since I know this is wrong as I spoke with a very friendly Capital One agent earlier today.
I won't go to bed tonight having nightmares about Chase; which has actually happened on more than one occasion. I'm going to pray we can work something out tomorrow and I will finally be debt-free and can focus on travels and enjoying life instead feeling like my life is my credit score. Which is quite literally how I feel at times. It's rather embarrassing and a bit shameful to have a score so ridiculously low (320. You thought yours was bad!). I'll say a prayer tonight and we'll see what happens. I believe they'll work with me.
I also have to head to Wells Fargo tomorrow; I really wish I would have scheduled for Friday now since it turns out I have that day off, but oh well. I don't want to back out now as she already penciled me in and didn't leave that slot open for others, so tomorrow it is.
I decided to google Capital One customer service and found the exact same thing. Which was quite a relief since I know this is wrong as I spoke with a very friendly Capital One agent earlier today.
I won't go to bed tonight having nightmares about Chase; which has actually happened on more than one occasion. I'm going to pray we can work something out tomorrow and I will finally be debt-free and can focus on travels and enjoying life instead feeling like my life is my credit score. Which is quite literally how I feel at times. It's rather embarrassing and a bit shameful to have a score so ridiculously low (320. You thought yours was bad!). I'll say a prayer tonight and we'll see what happens. I believe they'll work with me.
I also have to head to Wells Fargo tomorrow; I really wish I would have scheduled for Friday now since it turns out I have that day off, but oh well. I don't want to back out now as she already penciled me in and didn't leave that slot open for others, so tomorrow it is.
Wednesday, September 29, 2010
Capital One Plan
I posted "Credit Card Horror"....yesterday or the day before, I think. Well, I just hung up with Capital One and devised a great plan with one of their bill collectors, the lovely Lindsey. I really wished I would have just picked up the phone and straightened this all out before turning to the consolidation company and landing myself into this financial nightmare, but I'm trying to make it right as of now.
So, Lindsey offered me up a great plan and this is how it looks:
Two payments of $558.38.
The first payment is due before October 7th
And the second payment is due before November 7th
And that's it. It's all settled then. I have about $700 saved and will be getting 3 more paychecks before November 7th (of about $350ish each= $1050 ish in total by the final due date, excluding the saved $700).
Unfortunately, the other bank I owe money to, Chase, was closed when I called. I forget about the drastic time difference between us and the other States. I was hoping to straighten this all out since a representative from Wells Fargo called and wanted to meet tomorrow and get things in order since I recently joined the bank. They're the ones that it seems everyone around here banks through and they actually have several physical locations here, which is a lot more than other banks. Actually, I don't think any other big name bank is around this area (that I know of, anyway).
I hope and pray Chase will be as willing to work with me as Capital One has been.
I'm extremely grateful that I received the Capital One bill with the phone picture with the big, bold letters Help is Available. And underneath that was the line: Just pick up the phone. After reading it and carefully sifting through my options, I decided I really would like some help and would pick up the phone before resigning myself over to bankruptcy.
Hopefully, Chase will fit into this picture and I will be debt free and can re-establish my credit (Last I checked the scored was in the 300s. Ouch.). I owe Chase a lot more money, though, so we shall see. I will update the blog tomorrow on what happened with both Wells Fargo and Chase.
I'm so tired of my credit debt always being in the back of my mind and factored into any future plans I try to make.
Thank you Lindsey for giving me hope and a clear path for my immediate financial future!
So, Lindsey offered me up a great plan and this is how it looks:
Two payments of $558.38.
The first payment is due before October 7th
And the second payment is due before November 7th
And that's it. It's all settled then. I have about $700 saved and will be getting 3 more paychecks before November 7th (of about $350ish each= $1050 ish in total by the final due date, excluding the saved $700).
Unfortunately, the other bank I owe money to, Chase, was closed when I called. I forget about the drastic time difference between us and the other States. I was hoping to straighten this all out since a representative from Wells Fargo called and wanted to meet tomorrow and get things in order since I recently joined the bank. They're the ones that it seems everyone around here banks through and they actually have several physical locations here, which is a lot more than other banks. Actually, I don't think any other big name bank is around this area (that I know of, anyway).
I hope and pray Chase will be as willing to work with me as Capital One has been.
I'm extremely grateful that I received the Capital One bill with the phone picture with the big, bold letters Help is Available. And underneath that was the line: Just pick up the phone. After reading it and carefully sifting through my options, I decided I really would like some help and would pick up the phone before resigning myself over to bankruptcy.
Hopefully, Chase will fit into this picture and I will be debt free and can re-establish my credit (Last I checked the scored was in the 300s. Ouch.). I owe Chase a lot more money, though, so we shall see. I will update the blog tomorrow on what happened with both Wells Fargo and Chase.
I'm so tired of my credit debt always being in the back of my mind and factored into any future plans I try to make.
Thank you Lindsey for giving me hope and a clear path for my immediate financial future!
Places I'd Like to Work
Since I'm planning to travel to various places through working at National Parks and WWOOFING (but this comes once I've saved up some money and gotten out of debt. Beforehand, I'll have to work places where I get a payday)
So, these are the following places I'd like to attempt working at:
Yosemite National Park
Cedar Points Amusement Park
Death Valley National Park
Olympic National Park
Loon in New Hampshire
YMCA Camp in Santa Maria
Aspen Grove
Job at Lake Tahoe Incline Village
Tucson Horticulture Project; workaway program
Cooking in California; workaway program
So, these are the following places I'd like to attempt working at:
Yosemite National Park
Cedar Points Amusement Park
Death Valley National Park
Olympic National Park
Loon in New Hampshire
YMCA Camp in Santa Maria
Aspen Grove
Job at Lake Tahoe Incline Village
Tucson Horticulture Project; workaway program
Cooking in California; workaway program
Volunteer in Wayanad Wildlife Sanctuary; workaway program
Volunteer at an alpaca farm in Arizona, USA; workaway program
Volunteer at an eco resort on the Aegean coast in Turkey; workaway program
Volunteer at a non profit ranch in Americas North West; workaway program
Join the Colorado lifestyle with horses; person very willing to teach new skills such as TRACTOR DRIVING!!!!
Volunteer in Buffalo, USA; WILLING TO TEACH HOME REPAIR!!!; workaway program
Volunteer in Lanai Hawaii and learn about farming; I'd like to learn about farming; workaway program
Well, this is good for now, though I'd like to have included some WWOOFING wishes within, but I think this would keep me occupied for a few years at the very least. This doesn't even include how I'd like to try out couchsurfing as well. (once I'm debt free, obviously)
Hopes, Dreams, and Goals for the Future
Future Plans
A medley of Korf's dreams, goals, and hopes for the future.
Read through the whole Bible; study some other religions. Get a degree in Theology/World Religion
Pay off Credit Debt~ Capital One; Chase Approx. $5,500 total owed
Travel and work in various States (tourist areas). Visit each State once.
Travel to England, Spain, Italy, New Zealand, Japan, Taiwan, and Venezuela.
Accumulate over $5000 in a checking account after getting out of debt.
Improve my memory and creative thinking process. Get a degree in creative writing.
See various concerts: Daughtry, Jimmy Eat World, Manic Drive, TobyMac, Skillet, Thousand Foot Krutch, Linkin Park, Sevendust, Breaking Benjamin, Chevelle, Transyberian Orchestra.
Learn:
Saxophone
Knitting
Spanish
Guitar
Sewing (Clothes and pillows)
Baking Decorative Cakes
Making Super Tasty Meals
Create things out of Wood
Make Jewelry
Farming/Gardening
Photography/Photo Shop
Write more fanfics, and original novel, and get move involved in my friends RP site.
Use WWOOF, Workaway, and CouchSurfing for my travels.
Make a scrapbook of my travels; both a digital one and a "real" one.
Complete everything on this list to the best of my abilities within a three year time period, starting today.
Bonus: Lose fifteen pounds.
A medley of Korf's dreams, goals, and hopes for the future.
Read through the whole Bible; study some other religions. Get a degree in Theology/World Religion
Pay off Credit Debt~ Capital One; Chase Approx. $5,500 total owed
Travel and work in various States (tourist areas). Visit each State once.
Travel to England, Spain, Italy, New Zealand, Japan, Taiwan, and Venezuela.
Accumulate over $5000 in a checking account after getting out of debt.
Improve my memory and creative thinking process. Get a degree in creative writing.
See various concerts: Daughtry, Jimmy Eat World, Manic Drive, TobyMac, Skillet, Thousand Foot Krutch, Linkin Park, Sevendust, Breaking Benjamin, Chevelle, Transyberian Orchestra.
Learn:
Saxophone
Knitting
Spanish
Guitar
Sewing (Clothes and pillows)
Baking Decorative Cakes
Making Super Tasty Meals
Create things out of Wood
Make Jewelry
Farming/Gardening
Photography/Photo Shop
Write more fanfics, and original novel, and get move involved in my friends RP site.
Use WWOOF, Workaway, and CouchSurfing for my travels.
Make a scrapbook of my travels; both a digital one and a "real" one.
Complete everything on this list to the best of my abilities within a three year time period, starting today.
Bonus: Lose fifteen pounds.
Penpals and Work
So, I wrote two of my three penpals. I just got a letter four days ago from the other penpal, so I won't feel too bad about writing her tomorrow. The other two were waiting for about three weeks/a month, so I wanted to get theirs out first.
I went to work and saw the server that thoroughly irritated me last time I was there. Luckily, we seemed to smooth things over so hopefully things will be okay again from now on. I hope.
The person RPing with me in the Kingdom Hearts RP I'm participating in hasn't replied so I'm a bit relieved because its hard coming up with those posts.
This blog was so inspiring after I wrote it earlier, I wrote my penpals, cleaned the bathroom (including the toilet), finished my clothes, and did the dishes. I even straightened up a bit. So, it was pretty nice all in all. I guess it really does help to clear out your mind so you can think straight; that is the whole point in meditation, right?
This seems to be working out, although I wouldn't mind trying out meditation at some point, as well. But I guess I AM more visual so it helps I can actually see the words.
I went to work and saw the server that thoroughly irritated me last time I was there. Luckily, we seemed to smooth things over so hopefully things will be okay again from now on. I hope.
The person RPing with me in the Kingdom Hearts RP I'm participating in hasn't replied so I'm a bit relieved because its hard coming up with those posts.
This blog was so inspiring after I wrote it earlier, I wrote my penpals, cleaned the bathroom (including the toilet), finished my clothes, and did the dishes. I even straightened up a bit. So, it was pretty nice all in all. I guess it really does help to clear out your mind so you can think straight; that is the whole point in meditation, right?
This seems to be working out, although I wouldn't mind trying out meditation at some point, as well. But I guess I AM more visual so it helps I can actually see the words.
Tuesday, September 28, 2010
Guilty of Not KIT
KIT= Keeping in touch
So, over the years, I've learned that I am REALLY bad at keeping in touch. I've been trying harder and harder to get better at this and I don't know if it's my OCD or what, but I seem to forget or freak out or think the person's gonna be mad at me for not getting back in touch sooner, or I tend to just lose track of time.
Every year, I promise myself I'm not going to fall out of touch, I'm going to keep calling/texting/writing people and every year, I fail miserably. So, starting now, I really AM going to put all my effort into it and really try to update my facebook more often, update my myspace (OMG, why all these social sites??), and write my four penpals from Interpals within the week I receive their later (because they tend to not get a letter for three weeks). I'd call people more often, but I recently lost my phone.
I think a lot of the reason I have trouble KIT is because I still live with my family and it seems like someone always needs me to do something and then I have work and I feel totally drained and overwhelmed and my mind is just dictating all this stuff that needs to be done to the point of I just want to forget I have to do anything and I shove it all aside, assuring myself that tomorrow I'll have time to get to it. Also, moving to several different states allows you to meet more people, but lose touch with more people, you know?
I'm hoping this blog will help me clear my mind and keep my priorities straight. Just a place for me to kind of clear the fog from my mind and get things out on paper since I'm more of a visual person.
Speaking of which, I bought a book about the brain and I guess it would be more helpful if the words were all..... like on a wavy line because it would interact with my brain better? It's called Memory Boot Camp by Tony Buzan if interested. I actually have been making mind maps and feel better and have already practically memorized my restaurant's food menu for the most part (and learned interesting tidbits about the food). Like how a NY Strip is actually the large part of a T-Bone and the small part of the T-Bone would be the filet mignon, or tenderloin. And how filet mignon is French, with filet meaning "thick slice" and mignon meaning "cute (or dainty)." I know it's stupid and other people probably knew that already, but it was helpful to me and just a quick example of how the mind maps helped (I'd go into the 40 species of crabs and how 10 are fished out of Alaska waters and how about 50% of US consumed frozen fish food are from the Bering Strait waters, but that was way too big of a mind map). Apparently, colors are supposed to help your brain as well as word association.
The whole point of this post is I'm going to attempt to keep a record of how well I'm doing with keeping in touch and I'm going to try not to fall out of touch with too many people over the years. So, I'm off to write the three penpals that are waiting for a letter!!
So, over the years, I've learned that I am REALLY bad at keeping in touch. I've been trying harder and harder to get better at this and I don't know if it's my OCD or what, but I seem to forget or freak out or think the person's gonna be mad at me for not getting back in touch sooner, or I tend to just lose track of time.
Every year, I promise myself I'm not going to fall out of touch, I'm going to keep calling/texting/writing people and every year, I fail miserably. So, starting now, I really AM going to put all my effort into it and really try to update my facebook more often, update my myspace (OMG, why all these social sites??), and write my four penpals from Interpals within the week I receive their later (because they tend to not get a letter for three weeks). I'd call people more often, but I recently lost my phone.
I think a lot of the reason I have trouble KIT is because I still live with my family and it seems like someone always needs me to do something and then I have work and I feel totally drained and overwhelmed and my mind is just dictating all this stuff that needs to be done to the point of I just want to forget I have to do anything and I shove it all aside, assuring myself that tomorrow I'll have time to get to it. Also, moving to several different states allows you to meet more people, but lose touch with more people, you know?
I'm hoping this blog will help me clear my mind and keep my priorities straight. Just a place for me to kind of clear the fog from my mind and get things out on paper since I'm more of a visual person.
Speaking of which, I bought a book about the brain and I guess it would be more helpful if the words were all..... like on a wavy line because it would interact with my brain better? It's called Memory Boot Camp by Tony Buzan if interested. I actually have been making mind maps and feel better and have already practically memorized my restaurant's food menu for the most part (and learned interesting tidbits about the food). Like how a NY Strip is actually the large part of a T-Bone and the small part of the T-Bone would be the filet mignon, or tenderloin. And how filet mignon is French, with filet meaning "thick slice" and mignon meaning "cute (or dainty)." I know it's stupid and other people probably knew that already, but it was helpful to me and just a quick example of how the mind maps helped (I'd go into the 40 species of crabs and how 10 are fished out of Alaska waters and how about 50% of US consumed frozen fish food are from the Bering Strait waters, but that was way too big of a mind map). Apparently, colors are supposed to help your brain as well as word association.
The whole point of this post is I'm going to attempt to keep a record of how well I'm doing with keeping in touch and I'm going to try not to fall out of touch with too many people over the years. So, I'm off to write the three penpals that are waiting for a letter!!
Credit Card Horror
So, about two years ago (2008) I made the horrible mistake of using my credit card with a 22% interest rate in order to try and get a job as a flight attendant. If you remember correctly, this was about the time the economy tanked and everything just went all wrong. So, I was already stupid for even using the credit card under the naive belief my investment in a better job would pay off and I'd be able to rapidly pay off the balance. The flight attendant plan didn't pan out and I was left working my meager hourly wage job with my hours getting severely cut. Then the business went under and I was seriously screwed and my car broke down (whipped out the credit card again). I finally got a new job and was getting back on my feet and catching up with my credit card when my car broke down again and couldn't get fixed (despite paying money into to find this out). And then I wound up moving. This included another credit card as well (but at 7% interest).
Anyway, not to bore you with the history of my credit card idiocy. In school, I had simply been taught credit cards were BAD. The importance of having GOOD credit was never explained and I really wish it would have been emphasized. So, I have very bad credit. However, I am in the process of trying to improve my awful credit score.
So, I'm going to try to make some credit posts as I pay it off. With my next paycheck, I should be able to pay off most of the Capital One credit card (about $1486 total balance). And I will be SO HAPPY to rid myself of one. That's the 7% one.
Chase, the 22% one has a much higher balance (obviously). It's at like 4K I believe. I will be calling them soon and trying to hash out a plan of some sort. Why the heck are they even allowed to make interest rates that high in the first place? I think 12% should be a cap. Or at least 15%. I mean, 22% seriously? But I had no credit at the time and apparently that was the best I could get (so how can someone with no credit get good credit if they're never on top of the payment because the interest is so insane? I know, I know. I should have made minimum purchases and paid them off right away instead of investing in a couple plane tickets for a job interview).
Honestly, I have no idea how I got the Capital One credit card. I know I WAS doing good with Chase up until the flight attendant, lay off, and car breaking down. Sadly, none of that is shown on your credit score. I'm glad they have all these credit score commercials lately, reminding people of how their credit score does affect major purchases.
I even tried consolidation, when I was attempting to join the military (because your income has to be higher than your payouts). There was something physically hindering me so I was unable to join the military, but I learned that consolidation is probably not the best thing. $150 a month, $37 going to each credit card company, $76 going to.... the consolidation company a month (after a fee to join??). It's like having three credit cards.
So, I figure it's best to pay it off in chunks at this point, which is what I'm going to attempt to do first with Capital One since it's easier. I remember reading Dave Ramsey BEFORE getting into credit debt and thinking I had my head screwed on straight for being smarter than everyone else and not using them in the first place (ahahaha, I guess that's karma for you). How the snowball effect was to work, once you get one paid off, you get another, and etc.
Of course, I'm gonna try and ring Chase this week and try to negotiate some kind of payment plan. But in the meantime, it'll be nice to have one less credit card to worry about so I'm hoping by the end of October I'll be finished with Capital One completely!!!!
Anyway, not to bore you with the history of my credit card idiocy. In school, I had simply been taught credit cards were BAD. The importance of having GOOD credit was never explained and I really wish it would have been emphasized. So, I have very bad credit. However, I am in the process of trying to improve my awful credit score.
So, I'm going to try to make some credit posts as I pay it off. With my next paycheck, I should be able to pay off most of the Capital One credit card (about $1486 total balance). And I will be SO HAPPY to rid myself of one. That's the 7% one.
Chase, the 22% one has a much higher balance (obviously). It's at like 4K I believe. I will be calling them soon and trying to hash out a plan of some sort. Why the heck are they even allowed to make interest rates that high in the first place? I think 12% should be a cap. Or at least 15%. I mean, 22% seriously? But I had no credit at the time and apparently that was the best I could get (so how can someone with no credit get good credit if they're never on top of the payment because the interest is so insane? I know, I know. I should have made minimum purchases and paid them off right away instead of investing in a couple plane tickets for a job interview).
Honestly, I have no idea how I got the Capital One credit card. I know I WAS doing good with Chase up until the flight attendant, lay off, and car breaking down. Sadly, none of that is shown on your credit score. I'm glad they have all these credit score commercials lately, reminding people of how their credit score does affect major purchases.
I even tried consolidation, when I was attempting to join the military (because your income has to be higher than your payouts). There was something physically hindering me so I was unable to join the military, but I learned that consolidation is probably not the best thing. $150 a month, $37 going to each credit card company, $76 going to.... the consolidation company a month (after a fee to join??). It's like having three credit cards.
So, I figure it's best to pay it off in chunks at this point, which is what I'm going to attempt to do first with Capital One since it's easier. I remember reading Dave Ramsey BEFORE getting into credit debt and thinking I had my head screwed on straight for being smarter than everyone else and not using them in the first place (ahahaha, I guess that's karma for you). How the snowball effect was to work, once you get one paid off, you get another, and etc.
Of course, I'm gonna try and ring Chase this week and try to negotiate some kind of payment plan. But in the meantime, it'll be nice to have one less credit card to worry about so I'm hoping by the end of October I'll be finished with Capital One completely!!!!
Saturday, September 25, 2010
Booth Nirvana
I was looking for a place to whine and moan about my shift last night (which I did in my first blog post). During this search, I came across the Waiter Rant site. I'd never heard of him before now, despite the book deal. After reading some of his stuff, I was inspired. No, I don't plan to write a book, but it did seem like a good idea to blog in order to vent. So, the April 26th 2004 entry particularly got my attention. He mentions how some people just HAVE to have a certain table and referred to it as table nirvana. The restaurant I'm currently working at doesn't seem to have a coveted table that I'm aware of.
However, I worked at Denny's for awhile and during that period there was this one corner booth that everybody and their freakin' brother wanted to sit at. Even the night shift at 2 freakin AM, people are coming in and it's clear we're only seating one side of the restaurant yet they "don't want to be around people" (Oh, no, the horror! Other people?! In public?!) so we'd have to oblige their request if they wished to sit in the other section of the restaurant. 8 out of 10 times, they would head straight for that big, cushy booth. The other 2 times, they'd go to the table furthest away from the rest of the restaurant because, you know, it's not like I was the only server for the entire restaurant, which I was.
It's not like I was acting as hostess, cashier, server, and taking To-go orders all at once. Oh, wait. I was.
The booth was designed for parties of five or six people. Sometimes seven people could fit in. However, even during the morning shift or swing shift, parties of three would often ask for it. Everybody wanted to sit there. It was a bit crazy.
There was only one woman I didn't mind letting her sit there even if only two people were to join her. She was a teacher and would often use the space to grade papers, along with her two colleagues. She always left 20-30 in tips and her friends always left 10-20 in tips, so naturally me and my other co-workers would try to spot her and run to greet her at the hostess stand. She used to work in a 24/7 restaurant before teaching, I found out on evening.
Honestly, I've never had so many people ask for a booth before. It was big and that was it. There was no grand view. It's a mystery. Booth Nirvana.
However, I worked at Denny's for awhile and during that period there was this one corner booth that everybody and their freakin' brother wanted to sit at. Even the night shift at 2 freakin AM, people are coming in and it's clear we're only seating one side of the restaurant yet they "don't want to be around people" (Oh, no, the horror! Other people?! In public?!) so we'd have to oblige their request if they wished to sit in the other section of the restaurant. 8 out of 10 times, they would head straight for that big, cushy booth. The other 2 times, they'd go to the table furthest away from the rest of the restaurant because, you know, it's not like I was the only server for the entire restaurant, which I was.
It's not like I was acting as hostess, cashier, server, and taking To-go orders all at once. Oh, wait. I was.
The booth was designed for parties of five or six people. Sometimes seven people could fit in. However, even during the morning shift or swing shift, parties of three would often ask for it. Everybody wanted to sit there. It was a bit crazy.
There was only one woman I didn't mind letting her sit there even if only two people were to join her. She was a teacher and would often use the space to grade papers, along with her two colleagues. She always left 20-30 in tips and her friends always left 10-20 in tips, so naturally me and my other co-workers would try to spot her and run to greet her at the hostess stand. She used to work in a 24/7 restaurant before teaching, I found out on evening.
Honestly, I've never had so many people ask for a booth before. It was big and that was it. There was no grand view. It's a mystery. Booth Nirvana.
Being a Backwait Sometimes Sucks
Seriously, if a server can't handle their own section for a period of time when the backwait has to attend to something else~~ why the heck are they even serving in the first place? I WAS in the dining area, I couldn't have been that hard to find. Why not just say, "Hey, I could use a little help." Instead of letting unreasonable irritation grow and then making rude and snide comments to me. It's not as if I was out smoking or screwing around in the breakroom. I was working.
This server can't get through a shift without a backwait attached to the hip; it's very unfair to the other server who is supposed to be sharing the backwait. Whatever. I have a couple days off and I'll just act like it never happened, but I will remember it and try to avoid that landing in that server's section when I can.
I know the stress can make people snap, but you can find, whine, and moan to everyone else yet can't make the effort to find me (which isn't hard; the dining area is NOT that large and only one section is a bit hidden and it's not that long of a trip) and get help? What a load of crock! I guess next time I'll just not bother with the five dirty tables, I won't move the bus station which is blocking the doors, and I won't make sure the hostess gets the ticket for the other employee's tab cuz I'm sure as heck not paying for the about $40 worth of food. And let's not take the time to think that one backwait has left, the other is missing, and I'm the only one in the restaurant. Heaven forbid I go to another section to take care of things after checking on the tables in question, filling up their water, and seeing that they're still eating off the plates on their tables.
GEEZE. If you need food run out or something, just SAY it. Especially if you don't have a problem running your mouth off to other people. It's funny how this is the ONLY server who can't last more than five minutes without a backwait, while the other ones all function greatly with or without one.
I've been a server before with a "backwait" (though, we called it server assistant) and if I knew the backwait was generally good and rarely disappeared without reason, I never snapped or made snide comments to them. Give me an effin' break. Next time, maybe I'll live up to those snide and rude comments and then SEE what happens. Person's lucky I'm not THAT vicious and like to generally avoid confrontation. I don't know, though. Lately, I've been itching to have an excuse to lose my temper and scream and cuss someone out. I CAN find other places to backwait/serve at, I'm sure. I know I can. I've been told I'd be welcomed back at places I had to quit (after giving them my notice well in advance).
This server can't get through a shift without a backwait attached to the hip; it's very unfair to the other server who is supposed to be sharing the backwait. Whatever. I have a couple days off and I'll just act like it never happened, but I will remember it and try to avoid that landing in that server's section when I can.
I know the stress can make people snap, but you can find, whine, and moan to everyone else yet can't make the effort to find me (which isn't hard; the dining area is NOT that large and only one section is a bit hidden and it's not that long of a trip) and get help? What a load of crock! I guess next time I'll just not bother with the five dirty tables, I won't move the bus station which is blocking the doors, and I won't make sure the hostess gets the ticket for the other employee's tab cuz I'm sure as heck not paying for the about $40 worth of food. And let's not take the time to think that one backwait has left, the other is missing, and I'm the only one in the restaurant. Heaven forbid I go to another section to take care of things after checking on the tables in question, filling up their water, and seeing that they're still eating off the plates on their tables.
GEEZE. If you need food run out or something, just SAY it. Especially if you don't have a problem running your mouth off to other people. It's funny how this is the ONLY server who can't last more than five minutes without a backwait, while the other ones all function greatly with or without one.
I've been a server before with a "backwait" (though, we called it server assistant) and if I knew the backwait was generally good and rarely disappeared without reason, I never snapped or made snide comments to them. Give me an effin' break. Next time, maybe I'll live up to those snide and rude comments and then SEE what happens. Person's lucky I'm not THAT vicious and like to generally avoid confrontation. I don't know, though. Lately, I've been itching to have an excuse to lose my temper and scream and cuss someone out. I CAN find other places to backwait/serve at, I'm sure. I know I can. I've been told I'd be welcomed back at places I had to quit (after giving them my notice well in advance).
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