Daily spending limit by canttakesky

Quote:
Originally posted by canttakesky:

Anyone else find this worrisome?

http://www.my3cents.com/showReview.cgi?id=31226
If you have as much as one item pull more out of your account than you have, the items now magically end up in order from biggert $ amount to smallest, regardless of the date of transaction. This forces the greatest # of fees out of us.
This is theft.
So they steal your money while denying you access to what's left.
Interesting.
They must be gettin' scared.

Chrisisall

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Wednesday, February 27, 2008 5:49 PM

AVENGINGWATCHER

I love how all the pieces of go se in the forum are crying to use a credit card. First of all I shouldn't have to use a credit card. I can walk into the bank and close my account at any time why can't I withdraw my funds? Now it wouldn't be such an issue if it wasn't for the fact that he had an issue getting the purchase waived through a phone verification. MY money belongs to me.

when there are no heroes where will we turn?

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Thursday, February 28, 2008 4:47 AM

Guess you really do need to read the fine print when setting up an account. Why not put the purchase on a credit card and pay off the balance in entirety? Might have been a better idea at the time then tying up a register for over an hour and affecting countless other consumers. This guys account always had a daily limit and this fact was never an issue before. Is ignorance a defense? You give the bank your money and they give you rules. Don't like it, theres always the ol' Bank of Mattress.

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Thursday, February 28, 2008 5:42 AM

FINN MAC CUMHAL

Quote:
Originally posted by canttakesky:
Anyone else find this worrisome?

Worrisome? No. Funny, Yes. I might find it worrisome if I lived in a country that did not have a free market where I could cancel my account with a bank that I found had poor service. I understand why daily spending limits exist. The problem here was poorly educated service personnel. They should have known what to do when a customer calls up to exceed the daily spending limit. So Bank of America is going to lose customers if they don’t educate their service personnel better.

Nihil est incertius vulgo, nihil obscurius voluntate hominum, nihil fallacius ratione tota comitiorum.

Nothing is more unpredictable than the mob, nothing more obscure than public opinion, nothing more deceptive than the whole political system.

-- Cicero

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Thursday, February 28, 2008 6:50 AM

Quote:
Guess you really do need to read the fine print when setting up an account.

Good luck,
Eighteen pages of highly misleading legalese doubletalk even most LAWYERS cannot decipher.

Just like any other contract these days, having taken a page from EULAs and shovelling all responsibility for everything up to and including destruction of the entire universe on the customer alone while absolving themselves and stating that they can change the terms and conditions at whim - compounded by a certain degree of collusion between agents of said industry creating a condition in which effective competition is non-existant cause by "gentlemens agreement" (Read: Asshole Bargain) no matter which provider sells you down the river, each and every one is going to hand you that same contract, or be blackballed and regulated out of business by their BigDaddyGov accomplices.

And should they violate it, try doin anything about it without spending more than $10,000.00 USD in legal costs to even get a hearing, which they'll postpone with the connivance of a "friendly system" and stall you off till you run out of money, cause they got plenty, and a lot of it used to be yours.

Even if they did violate a specific and explicit provision you had tailor-made by an attorney and included to prevent a specific occurance.

There's a reason I wanna see Shittybank fucking implode, people - and be damned to the idea of bailing out those lying, cheating, ripoff scum so criminal they've been thrown out of several other countries on pain of death for their practices.

Be doubledamned to doing it by tax money exploited further from people they have already ripped off.

Anyhows, I toldja this kinda thing was common, and trust me folks, you ain't seen nothin yet.

Just wait till things go ass over teakettle and you just go right ahead and TRY getting your fucking money out of them, especially when the FDIC, not having learned a damned thing from the collapse of the FSLIC, doesn't have the resources to cover even 1/100th of their obligations should things get wiggy on us.

I learned my freakin lesson at Old Court Savings and Loan to the tune of over a grand, which was a lot of money at the time, for someone my age, and got schooled by Signet for another seven hundred, who closed my savings account and took the money for "lack of activity" while I was in BASIC/AIT - I'll NEVER let that happen again.

Placing your trust in a financial institution is a lot like getting a blowjob from a shark, one drop of blood in the water, and it's not so fun any more.

-Frem
http://en.wikipedia.org/wiki/Federal_Savings_and_Loan_Insurance_Corpor
ation
http://en.wikipedia.org/wiki/Old_Court_Savings_and_Loans
http://en.wikipedia.org/wiki/Savings_and_loan_crisis

It cannot be said enough, those who do not learn from history, are doomed to endlessly repeat it

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Thursday, February 28, 2008 7:38 AM

Quote:
Originally posted by Fremdfirma:
Placing your trust in a financial institution is a lot like getting a blowjob from a shark, one drop of blood in the water, and it's not so fun any more.

Bwwwaaaahahaaaahaaaa!! You kill me, Frem.

I bank at Bank o' Mattress. Actually, my hub's employer requires direct deposits, so we have a bank account, but transfer our cash to our more trusted Bank o' Mattress monthly. We've noticed increasing difficulty in making our withdrawals in recent months.

As I understand it, VISA is responsible for the cap on daily spending, as part of their fraud protection program. This caps their losses should thieves make large purchases before a credit card is noticed stolen. However, when you call the bank and verify that you, the cardholder, is legitimately authorizing this purchase, the bank usually waives this daily limit. At least I had not heard of these sorts of problems before. That banks are obtusely rigid about this limit appears to be a more recent phenomenon. I find that worrisome.

--------------------------
If it looks like a duck, and quacks like a duck, we have at least to consider the possibility that we have a small aquatic bird of the family anatidae on our hands.
-- Douglas Adams

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Thursday, February 28, 2008 7:46 AM

Quote:
Originally posted by Finn mac Cumhal:
So Bank of America is going to lose customers if they don’t educate their service personnel better.

They don't care about losing other customers, apparently. The government banks with them. I guess they don't need anyone else.

Personally, I've never met anyone who banked at BOA who wasn't pissed off by them at least once.

--------------------------
Facts are stubborn things, but statistics are more pliable.
--Mark Twain

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Thursday, February 28, 2008 7:58 AM

Quote:
Originally posted by canttakesky:
...Actually, my hub's employer requires direct deposits, so we have a bank account, but transfer our cash to our more trusted Bank o' Mattress monthly. We've noticed increasing difficulty in making our withdrawals in recent months.

Yeah... tell me about it. This push toward a cashless economy is what I find worrisome. They've been working on it for decades with steady "success". When they get things setup the way they want you will only ever have as much money as the bank decides you deserve.

A previous employer of mine went to direct deposit. When I said that I preferred being paid by check - that I could take straight to HIS bank and exchange for cashy dollars - he responded with suspicious questions about why I didn't want to go along (and let my bank become the source of my income), all with heavy implications that I had something to hide.

Yeah... if you don't have anything to hide, you have nothing to fear. Well fuck that, and fuck anyone who's every uttered a phrase like it. Fuck everyone who's even thought it. And fuck this sheepish society for selling out every good thing about our country for a pat on the head.

Hmmm... do I sound bitter? or just psychotic?

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Thursday, February 28, 2008 8:28 AM

Quote:
Originally posted by canttakesky:

Personally, I've never met anyone who banked at BOA who wasn't pissed off by them at least once.

*raises hand*

Eff 'emisall

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Thursday, February 28, 2008 8:29 AM

Quote:
Originally posted by SergeantX:
Well fuck that, and fuck anyone who's every uttered a phrase like it. Fuck everyone who's even thought it. And fuck this sheepish society for selling out every good thing about our country for a pat on the head.

LOL. Hear, hear.

And God bless Haken for letting us say "fuck" as often as we want. There a little bit of the good America right there.

--------------------------
In all affairs it's a healthy thing now and then to hang a question mark on the things you have long taken for granted.
-- Bertrand Russell (1872 - 1970)

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Thursday, February 28, 2008 8:30 AM

Quote:
Originally posted by SergeantX:

Hmmm... do I sound bitter? or just psychotic?

You just sound like you've had similar life experiences to me.

isall

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Thursday, February 28, 2008 11:25 AM

Sounds like Sarge is channeling a Dennis Leary, just a lil bit...

Don't even get me started on credit card companies, credit reporting agencies and fraud/identity theft.

THEY started it - they sell your fucking data to anyone with a vendors license, everydamnbody does these days, no need to exploit it out of you when they can front as market research or a legit vendor and buy listings by the hundreds...

Then the credit reporting agencies, which are the scum of the earth, if you ever do even five minutes of digging, you'll know this... turn around and demand even more, and even more personal info to "prove" your identity, go on lengthy fishing expeditions to get it, and then turn right around and sell the now updated stuff to the crooks.

They are the PROBLEM, not the solution, it's like deliberately releasing a bioweapon so you can make a profit off the antidote - most identity thieves and fraudsters buy the info right from the financial institutions and credit reporting agencies who demand ever more of it to "protect" you - but since I deliberately and maliciously obfuscate them, I am not so worried about it, I KNOW that the so-called protectors are the greatest risk, it's the perfect scam.

And of course, the black-bag alphabet agency goons just totally drooled over that data and had to have it, and they bought it too, and what's a little fraud when you're so protected from the consequences you can just throw the national security gauntlet at the court and watch as they curl into a little crying ball and surrender.

And all this ridiculous, vicious little ever-faster spinning circle reaches a critical mass, more data in, more fraud out, and all for greed.

Yet simple basic respect of folks privacy in the first fucking place would have prevented the entire problem from ever being as bad as it is.

NEXT time someone tries to run up charges on your identity, start asking yourself where they got it in the first place...

One of my tricks is to demand that info FROM the person asking me before I give my own, if they won't shell out, neither will I.

K-Mart Clerk - "And what is your zipcode sir ?"

Me - "What's yours ?"
(I am deliberately giving her the creep-factor too, to make SURE she gets the point)

Clerk - "Umm.. I need to punch it in to finish the transaction."

Me - "So, you would not tell a stranger where you live, right, and yet you're asking me to tell you ?"

Clerk - "But I can't ring it up without a zipcode."

Me - "Hell, punch in the stores freakin zipcode, then."

Clerk - "We're not supposed to do that, I could get in trouble.."

Me - "Well, I would consider pondering the motives of your employer, you want a zipcode, fine, 77347"
(Bumfuck Texas, north of Houston)

Clerk - "Huh, where is that ?"

Me - "Somewhere far, far away from here, lady.. you wanted a zipcode, and to demand personal information in addition to money for this puny 2-litre bottle of soda, and spring that one on me at the register is a devious and dishonest practice - you've lied to me, and I lied back, now have a nice day."

Clerk - *stunned look as I walk away whistling with the soda for Fremgirl*

There is NO reason to ever 'play ball' with someone trying to extort information out of you no matter how seemingly innocent the reason or transaction, information is power, and information ABOUT you, is power OVER you.

Protect it.

-Frem

It cannot be said enough, those who do not learn from history, are doomed to endlessly repeat it

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Thursday, February 28, 2008 12:52 PM

KWICKO

"We'll know our disinformation program is complete when everything the American public believes is false." -- William Casey, Reagan's presidential campaign manager & CIA Director (from first staff meeting in 1981)

Quote:
Hmmm... do I sound bitter? or just psychotic?

Neither. You sound like someone who's seeing things clear, and maybe not liking the things they're seein'...

M

"Me want Kill-Dozer!!"

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Thursday, February 28, 2008 3:12 PM

SIGMANUNKI

Quote:
Originally posted by canttakesky:

Anyone else find this worrisome?

No. And yes, I have a daily limit as well. I don't find this worrisome because it is explicitly spelled out in the plan I choose at my bank and it's certainly non-prohibitive. It is also a different number if it is a withdrawal from an ATM or through Interac.

What would be worrisome is if there is no way to adjust that number when talking to your bank.

----
I am on The List. We are The Forsaken and we aim to burn!
"We don't fear the reaper"

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Thursday, February 28, 2008 7:10 PM

Quote:
Originally posted by Fremdfirma:
Protect it.

Uh... I wish I had met you 10 years ago. I think it's a little too late for me. My info's all over the place. (I'm not a good liar.)

The only thing I lie about is my birthdate when they ask for it to register for something on the internet. What the fuck? I give them a year that would make more older than 21--they don't need to know the rest.

The biggest lifestyle change for me to protect my info would be to shop with cash and only cash. That's the way my hub did it before he met me. He would cash his paycheck and spend a few hours paying all his bills in person with cash. He didn't even have a bank account.

--------------------------
Security is mostly a superstition. It does not exist in nature.... Life is either a daring adventure or nothing.
--Helen Keller (1880 - 1968), The Open Door (1957)

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Thursday, February 28, 2008 7:37 PM

6IXSTRINGJACK

I'd love to bank at La Bank-O-Mattress, but inflation is already taking a huge bite out of all of my savings and anything not invested in Gold Corp.

You're losing money hand-over-fist everyday to the criminal FED when you bank at La Bank-O-Mattress.

And I make my purchases with cash now. Took a while for me to get used to having to actually go inside the gas station to make a purchase, and even longer to guage just how much gas I need so I don't have to go back in to get my change. Weird.... before I started using my debit card at 18 years old to make gas purchases, people used to trust you enough to pump the gas first and pay when you were done.....

"A government is a body of people, usually notably ungoverned." http://www.myspace.com/6ixstringjack

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Thursday, February 28, 2008 7:50 PM

Quote:
Originally posted by 6ixStringJack:
You're losing money hand-over-fist everyday to the criminal FED when you bank at La Bank-O-Mattress.

I don't have an interest bearing account at a real bank, so it doesn't make any difference to me.

--------------------------
The most heinous and the most cruel crimes of which history has record have been committed under the cover of religion or equally noble motives.
--Mahatma Gandhi

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Thursday, February 28, 2008 8:01 PM

SIGMANUNKI

Aren't you charged a fee for cashing a cheque at a bank when you don't have an account though? I think that's pretty standard and if so, cashing cheques would cost money whether one has an interest bearing account or not.

----
I am on The List. We are The Forsaken and we aim to burn!
"We don't fear the reaper"

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Friday, February 29, 2008 2:01 AM

I do have an account--it is simply not interest-bearing.

(Scroll up to my post with the Douglas Adams quotation.)

--------------------------
I have only one superstition. I touch all the bases when I hit a home run.
--Babe Ruth (1895 - 1948)

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Friday, February 29, 2008 3:01 AM

Let me recommend 2 companies I do business with......
Wells Fargo - for home mortgage & equity line of credit
Wachovia - for checking, savings, and CD's

Both companies give me outstanding service with no fees of any kind. Friendly folks who have always helped me when I needed them to.

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Friday, February 29, 2008 3:31 AM

Quote:
Originally posted by SigmaNunki:
Aren't you charged a fee for cashing a cheque at a bank when you don't have an account though?

Yup... this is part of a long list of steps they've taken to put the squeeze on those of us who don't want to play ball. My previous employer's bank did this, so I got an account there. I had to open it with $50, but I immediately withdrew all but one dollar. I even told them I was only getting it to avoid their $5 check cashing fee. By all rights, anyone getting paid should be able to refuse payment with a check that will cost money to cash.

I remember hearing the head of the US Treasury, shortly after 9/11, speaking openly and quite enthusiastically on NPR about their plans to push us all into a cashless economy. He was excited about eliminating cash for the exact reasons I want to keep it - it's much harder for the government to control and track transactions when they can be done anonymously with cash.

'Course we gotta do it to fight the War on Terror!!

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 3:59 AM

Quote:
Originally posted by Jongsstraw:
Let me recommend 2 companies I do business with....

Don't know much about Wells Fargo, but Wachovia led the way with the non-customer check cashing fees. My suggestion is to stay away from the large banks altogether. Look for local credit unions that aren't trying to screw us with fees every time we aren't looking.

http://www.ripoffreport.com/reports/0/187/ripoff0187009.htm

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 4:44 AM

Quote:
Originally posted by SergeantX:
Quote:
Originally posted by Jongsstraw:
Let me recommend 2 companies I do business with....

Don't know much about Wells Fargo, but Wachovia led the way with the non-customer check cashing fees. My suggestion is to stay away from the large banks altogether. Look for local credit unions that aren't trying to screw us with fees every time we aren't looking.

http://www.ripoffreport.com/reports/0/187/ripoff0187009.htm

SergeantX

Why should any bank do anything for a non-customer for free? You want to use bank services, then get an account...not too terribly difficult to do that.

[

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Friday, February 29, 2008 4:54 AM

Quote:
Originally posted by Jongsstraw:
Why should any bank do anything for a non-customer for free?

The service is being provided to the person writing the check, not the one cashing it. If someone gives me a check as payment, I expect it to be good for the full amount due. If it costs me money to cash the thing, then they haven't paid in full. This policy is illegal. It's referred to in legalese as 'Wrongfully Dishonoring' a check, and it has been successfully challenged in court. But they have all the lawyers, and most of our money, so it's not like they're worried about it.

Quote:
You want to use bank services, then get an account...not too terribly difficult to do that.[

Actually it is for some people. And for many of these people, that five dollar fee makes a big difference. These also tend to be the folks fucked the hardest by the cascading overdraft fees ChrisIsAll cited. Regardless, I don't want to use bank services, and I don't appreciate the banks using their power and political influence to lobby for laws that force me into doing business with them. And I'll raise as much hell about it as I can reasonably manage.

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 5:08 AM

Someone gives you a check.
You go to the bank where the check is drawn from.
You expect that they'll just cash it for you, for free? That's ridiculous. Take that check to YOUR bank where YOU have an account to cash it, & it won't cost you a penny.

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Friday, February 29, 2008 5:13 AM

Quote:
Originally posted by Jongsstraw:
Someone gives you a check.
You go to the bank where the check is drawn from.
You expect that they'll just cash it for you, for free?

Well, uh...yeah. I mean, since it's a note that says that bit of money is now yours, it should be cashed to serve THEIR CUSTOMER (the issuer of said note). Also seeing as cashing it costs them nothing...

Ridiculous Chrisisall

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Friday, February 29, 2008 5:17 AM

Try to follow along. When you open up a checking account, the bank is agreeing to manage your cash for you. They're providing YOU a service. When you pay someone you owe with a check, there is the legal implication that it is good for the full amount due. Unless you TELL them that there will be a fee for cashing that check, they have every right to expect it to be good for the full amount. It the bank feels it needs to charge fees for the service, they need to charge the customer, not the people he owes money to.

You keep saying things like 'Just cash it at YOUR bank', assuming that everyone has a bank account. The banks want to create an environment where everyone is essentially required to do business with them, and you've clearly bought into that premise, but it's specifically what I'm arguing against.

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 5:22 AM

I give up, you folks are hopeless.

Makin' a big deal over a frikkin' checking account! I've had a checking account since I was 17, and in 37 years have never paid a fee of any kind. If I was a bank manager I wouldn't even let non-customers in the teller line.

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Friday, February 29, 2008 5:23 AM

Quote:
Originally posted by Jongsstraw:
If I was a bank manager I wouldn't even let non-customers in the teller line.

Heh.. ok. If you ever owe me money, don't expect me to accept a check, m'kay?

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 5:26 AM

Great idea...I'm glad we settled that.

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Friday, February 29, 2008 5:31 AM

Yep, and it doesn't matter how good the service of your Mortgage provider is when they turn around and sell the loan to a scummy, lowlife provider in defiance of an explicit provision in the contract forbidding exactly that.

And then you have to deal with that slimy provider and their dirty tricks nonstop cause it's more expensive to try enforcing the provision they broke than to pay the goddamn loan off entire.

Corporations and their behavior will be the spark that sets off terrorist bombings here eventually, ain't a matter of "if" at this point, just a matter of "when" - someone already took a stab at paypal that way.

-Frem

It cannot be said enough, those who do not learn from history, are doomed to endlessly repeat it

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Friday, February 29, 2008 5:35 AM

Quote:
Originally posted by Jongsstraw:
Great idea...I'm glad we settled that.

See, we can agree on some things.

Actually, I said that tongue-in-cheek, but I had a point. The way to fight this stuff is for people to insist that they be paid what they're owed.

When banks first started pushing the whole checking scheme, they sold it by reassuring people that when someone writes you a check, it's a "good as cash". That concept used to be sacrosanct, and it took them a long while to establish it as a given. Now that they've managed to herd everyone (well, almost everyone) into the pen, they're renigging.

If someone writes me a check that will cost money to cash, I have the legal right to return it to them and demand cash. The fact that no one even considers doing this, is a sad commentary on our spineless society.

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 5:38 AM

And yes, to some people it is a big deal.

Do you REALLY feel comfy knowing some underpaid goon from Dept of Homeland Security who's so inept he couldn't get a REAL job and might have issues or an axe of his own to grind, might be poring over lists of your transactions that your bank handed him upon request without even telling you ?

Knowing every single thing you've bought with credit or a check in the past six months to a year, and drawing possibly bizarre conclusions about it ?

Think on that a minute - what if they have some religous, moral or other axe to grind, and decide to grind it ON YOU ?

And if you think stuff like that can not, does not happen, then your understanding of human nature is severely lacking.

My business is MY business.
I don't take checks, but I don't take cash either.
You want your mower fixed, you bring me something of real value, rounds of metal, video games, tools, something of actual value to ME.

-Frem
*Part of that is that Barter is under the auspice of the Dept of Agriculture, which has no power to tax.

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Friday, February 29, 2008 5:46 AM

Quote:
Originally posted by Jongsstraw:
I give up, you folks are hopeless.

Makin' a big deal over a frikkin' checking account! I've had a checking account since I was 17, and in 37 years have never paid a fee of any kind.

Okay, so, this about YOU then. Got it.
We will all try to be just exactly like you, J.

Jongsstraw, living the life of easeisall

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Friday, February 29, 2008 6:02 AM

Quote:
Originally posted by chrisisall:
Quote:
Originally posted by Jongsstraw:
I give up, you folks are hopeless.

Makin' a big deal over a frikkin' checking account! I've had a checking account since I was 17, and in 37 years have never paid a fee of any kind.
Okay, so, this about YOU then. Got it.
We will all try to be just exactly like you, J.

Jongsstraw, living the life of easeisall

Ok Dr. Lazarus, I get it. Never said you or anybody gotta be exactly like me...but I'll tell ya something; if folks here would just start to do things right in their life ...aka normal, mainstream, traditional... instead of always looking for an angle, or getting all angst'd up from their paranoid conspriacies about everything, they'd be much happier. What's next...a 50-response thread about what color toilet paper to use?

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Friday, February 29, 2008 6:18 AM

Quote:
Originally posted by Jongsstraw:
Never said you or anybody gotta be exactly like me...but I'll tell ya something; if folks here would just start to do things right in their life ...aka normal, mainstream, traditional...

*eyes in a glaze*
I must watch American Idol...must buy stuff...must commit adultery...eat trans-fats...be obese...vote for those smiling candidates I see most on TV...
Space travel...don't understand need..it's bad.
Terrorists! Me scared!!! Someone save me!
Glad Firefly was canceled. Makes more room for cop shows.
Must pray to God when I'm not breaking Commandments...

Normal, mainstream, traditional Chrisisall

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Friday, February 29, 2008 8:07 AM

Quote:
Originally posted by Jongsstraw:
...but I'll tell ya something; if folks here would just start to do things right in their life ...aka normal, mainstream, traditional... instead of always looking for an angle, or getting all angst'd up from their paranoid conspriacies about everything, they'd be much happier.

Not to pick on Jong, but this expresses something very important. It gets right to the core of what I consider the most fundamental divide in politics today. The problem is, this attitude dominates the leadership of both major political parties. Those of us on the other side of this divide are essentially disenfranchised in all things political.

At the core of this attitude is the notion that there is a 'right' way to live, moreover that society has a right, even a duty, to 'promote' this right way to live. Even when folks who hold to this view aren't authoritarian an nature themselves, they will still implicitly support campaigns that push people into the approved lifestyle. In practice, "Live and let live" is an alien concept to them or, at the very least, an uncomfortable concession.

SergeantX

"Dream a little dream or you can live a little dream. I'd rather live it, cause dreamers always chase but never get it." Aesop Rock

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Friday, February 29, 2008 8:20 AM

Quote:
Originally posted by chrisisall:
*eyes in a glaze*
I must watch American Idol...must buy stuff...must commit adultery...eat trans-fats...be obese...vote for those smiling candidates I see most on TV...
Space travel...don't understand need..it's bad.
Terrorists! Me scared!!! Someone save me!
Glad Firefly was canceled. Makes more room for cop shows.
Must pray to God when I'm not breaking Commandments...

Why can't you walk into a bank anymore and exchange chickens for cash? How come I cannot buy things with gold doubloons anymore. Why can't I offer to take out the garbage instead of paying for my Big Mac. Times change and people and systems change to adapt. Some see electronic banking as safer and more convenient than cash. Others see electronic banking as a tool of the 'Man'. I see this case as someone shrugging personal responsibility instead of a flawed system. This guy was probably informed about the accounts daily limit when he opened it. Perhaps his past financial position made a $5000 daily limit seem like overkill at the time. How is this the banks fault for holding someone to the agreement that they agreed to?

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Friday, February 29, 2008 8:22 AM

Quote:
Originally posted by SergeantX:

Not to pick on Jong,

No, let's.
He's a big boy, and he knows deep down we're mostly friends here, so let's shake his house a little & see how strong his foundation is- heck, I like when peeps here do that for me...Finn actually found some weaknesses in mine here and there, and I commend him for it!

All's fair Chrisisall

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Friday, February 29, 2008 8:23 AM

Sarge... I don't give two shits how you live your life. Most of what I read hear is bitching, whining, and other naive utopian horseshit. When you're young it's ok to be idealistic and naive. When you grow up, become an adult, if you want to have a better life then you need to accept things as an adult and go with all there is to offer. Otherwise you'll end up a bum and a loser. Hasn't it hit home YET to the folks here that support fringe politicians and fringe philosophies that your 1-5% support levels 'aint ever gonna get you the world you dream of?.. This world is pretty damn great, if you just let go of your idealistic and hopeless fantasies about what you'd like the world to be. Time to face realities, and strive to acheive the most out of this reality. ALL the rest of it is intellectally bankrupt nonsense...mental masterbation for the miscreantic.

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Friday, February 29, 2008 8:25 AM

Quote:
Originally posted by BigDamnNobody:
How is this the banks fault for holding someone to the agreement that they agreed to?

Until you get stung yourself in a similar situation, I'm afraid you never will find out....

Any opportunity for a Mal paraphrase Chrisisall

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Friday, February 29, 2008 8:28 AM

Quote:
Originally posted by Jongsstraw:
Sarge... I don't give two shits how you live your life.

.....or maybe not so much......

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Friday, February 29, 2008 8:30 AM

Quote:
Originally posted by SergeantX:
At the core of this attitude is the notion that there is a 'right' way to live, moreover that society has a right, even a duty, to 'promote' this right way to live. Even when folks who hold to this view aren't authoritarian an nature themselves, they will still implicitly support campaigns that push people into the approved lifestyle. In practice, "Live and let live" is an alien concept to them or, at the very least, an uncomfortable concession.

The needs and or wants of the majority must supercede the needs and or wants of the minority. That's democracy baby!

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Friday, February 29, 2008 8:31 AM

Quote:
Originally posted by chrisisall:
No, let's.
He's a big boy, and he knows deep down we're mostly friends here, so let's shake his house a little & see how strong his foundation is- heck, I like when peeps here do that for me...Finn actually found some weaknesses in mine here and there, and I commend him for it!

All's fair Chrisisall

Well let's then Chris...for someone who claims to be an adult, someone about my age, I cannot believe some of the immature and wise-guy stuff you write here. You like to cherry-pick words from posts just to be a wise-ass troublemaker. If you were 18 it would be cute, but if you are an adult, I find your obtuse flippancy rather disturbing at times.

Also...did my response to Sarge show you my "foundation" to your satisfaction?

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Friday, February 29, 2008 8:42 AM

Quote:
Originally posted by chrisisall:
Quote:
Originally posted by BigDamnNobody:
How is this the banks fault for holding someone to the agreement that they agreed to?
Until you get stung yourself in a similar situation, I'm afraid you never will find out....

If I was in a similar situation, much like the guy in the article, I would have no one to blame but myself. It's apparently much easier and less ego damaging to blame someone else for personal mistakes.

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Friday, February 29, 2008 8:44 AM

Quote:
Originally posted by Jongsstraw:

Well let's then Chris...for someone who claims to be an adult, someone about my age, I cannot believe some of the immature and wise-guy stuff you write here.

What can I say, I usually get mistook for bein' 35, and I was a late-bloomer, so I naturally tend to be a little young-ish in my attitude. I'll check back for the grandpa 'tude when...uh, I'm a GRANDPA, I guess.

Quote:
You like to cherry-pick words from posts just to be a wise-ass troublemaker.

Guilty as charged (See also: Yoda

)

Quote:
If you were 18 it would be cute, but if you are an adult, I find your obtuse flippancy rather disturbing at times.

Okay, Darth.

Quote:
Also...did my response to Sarge show you my "foundation" to your satisfaction?

It showed some unexpected cracks...

Chrisisall

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Friday, February 29, 2008 8:55 AM

AVENGINGWATCHER

Bigdamnnobody,

The point was that he called and verified who he was and did not have access to his own money, which as I've stated if he wanted to close the account he would have direct access to in the form of a cashiers check. So they are saying as long as you are here we control your money not you.

Secondly I have to agree with most of these people that it most likely is illegal to charge fees for check cashing but hey who cares right its only a few dollars, well unless it's every week for a year, it adds up to a whole bunch of money. Hey what about those people who only accept payment electronically, you know so people have to buy a computer internet service etc... which they don't disclose to you because the agreement has changed when your original mortgage provider pawned you off. Our previous mortgage company would hold a check until the day after it was due(mind you it would come up as pending on our account) and not cash it until the day after and then say we were late. We refused to pay any late charges and they never said a word about it because our bank backed us up. So the moral of this story is that unless you have a bank on your side fighting another bank is about damned useless because they control mot of the politicians, which is why we need election reform to a system where politician do not benefit monetarily from their service and where lobbyists are not even allowed in congress under penalty of death.

When there are no heroes where will we turn?

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Friday, February 29, 2008 8:56 AM