Aces High Bulletin Board
General Forums => The O' Club => Topic started by: Urchin on February 07, 2006, 11:03:02 PM
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About 3 years ago, my family went on vacation. We went to Pensacola Beach, like normal, with the extended family there in a beach-house. One day I'm laying in bed and I hear the washing machine going "thunka thunka thunka".. I get up, check it... don't see any shoes or anything in there so I close it back up and ignore it.
Little while later, my aunt comes back and hears the same thing. Being older, and wiser, than me.. she goes through the clothes to see whats making the noise.
My mother had stuck a pair of my jeans in the wash, with my brand new Mp3 player still in the pocket. Needless to say, it was broken. My parents decided to buy me a new one, and the new one came with a free trial to Napster, you could download a couple songs or something for free. I honestly don't remember much about it, except the fact that the trial didn't even work.
But I registered for it and everything, including giving the CC information and all (my bank card, in this case).
Tonight I opened up the bank statement I get every month or so from the bank (something I don't ever do, since I really don't do anything except pay two bills by check every month)... napster has been billing my checking account for THREE ****ING YEARS!
I never bothered to check, so I'm sure that makes the theft legal, but Golly-geeN that pisses me off. Thats like $360... which is a fair chunk of change to me.
I never even USED the damn service, the code that Radio Shack gave me was bad, and we left Florida a couple days after that.
God that pisses me off.
Bleh.
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you should be pissed off
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While it is unfortunate, the problem is yours. I had the same exact thing happen to me except with a "Service Fee" from the bank.
When I was younger, I had about 150 dollars in my bank account. Every month they would charge a 5-8 dollar service fee for services I would never use. And since I was never using my bank account, it never occured to me to check my bank statements every month.
So by the time I had to use the money, I found out that I didn't have it. I went to the bank and found out I had 60 dollars left.
I was 13, but I still chewed out the bank employees for lunacy. (I learned the fine art from my father.) After I was done, one of the bank employees laughed at me for being just a kid. I wrote down that *****es name.
I said, "So and So, you specifically are responsible for losing your bank $100,000's of thousands of dollars. Have a good ****ing day."
See, my Father is the owner of his own construction company. And often he would have a lot of cash lying around to spend on whatever.
Later that same day, I walked in with my father and waved at the woman as he transferred every single cent out of that bank. Never been back.
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I had a sprint phone salesman try some add on deal for 15 bucks a month. I did not sign up for it. A month later, we are checking the bills and of course the 15 dollar charge was on my bill. I talked for quite a while with a manager who would not remove the charge AT ALL. I said, "let me get this straight, you had a high pressure salesman sign me up for a service I specifically did not want, i never used, and now that I want the charges removed you will not remove them?"
They would not
I told them I had been a customer for years and fully planned on continuing their service unless they remove the 15 bucks. If they did not remove the charge, I would drop them immediatelly. THEY STILL DID NOT.
FU Sprint. was the 15 bucks worth it?
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There's a lesson in there.
I know it stings, but you won't make the same mistake twice.
...and I know this doesn't ease the frustration.
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I learned the hard way that you do not give anyone your credit card information for "free trials." There is usually always, always fine print that says they will bill you unless you specifically cancel the service before they bill you. It's happened to me more than once and I've chewed out more than one C/S rep over it. You gotta read the fine print.
All you can do now is cancel the service. That money is gone, unfortunatly. :(
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Oh I know, its the US.. theft is perfectly legal as long as its not person to person.
****ing pisses me off though, that this ****ing country is so rebidly procorporation that it is actually legal for companies to do this.
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Originally posted by lasersailor184
While it is unfortunate, the problem is yours. I had the same exact thing happen to me except with a "Service Fee" from the bank.
When I was younger, I had about 150 dollars in my bank account. Every month they would charge a 5-8 dollar service fee for services I would never use. And since I was never using my bank account, it never occured to me to check my bank statements every month.
So by the time I had to use the money, I found out that I didn't have it. I went to the bank and found out I had 60 dollars left.
I was 13, but I still chewed out the bank employees for lunacy. (I learned the fine art from my father.) After I was done, one of the bank employees laughed at me for being just a kid. I wrote down that *****es name.
I said, "So and So, you specifically are responsible for losing your bank $100,000's of thousands of dollars. Have a good ****ing day."
See, my Father is the owner of his own construction company. And often he would have a lot of cash lying around to spend on whatever.
Later that same day, I walked in with my father and waved at the woman as he transferred every single cent out of that bank. Never been back.
:O
If you leave money in a bank here and then forget about it, there will be more money in the ac**** when you check... its called interest.
What kind of services did that bank offer that cost you money?
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Actually... in America most corporations do that.
You buy someone a gift card, for $50. Every month, the value of that card declines by $X, where X is just some arbitrary amount. Inactivity fee or whatever they call it.
Ripping people off not only isn't illegal here, it is encouraged.
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Nilsen, here, unless you have an ungodly amount of money, you have two different (basic) kind of accounts. You have Savings, and you have Checking.
I had a checking account. No interest is added on, but it is very easy to put in and take out money.
Just the opposite is true of a savings account. It is very hard to put in and take out, but you do make interest.
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Originally posted by lasersailor184
Nilsen, here, unless you have an ungodly amount of money, you have two different (basic) kind of accounts. You have Savings, and you have Checking.
I had a checking account. No interest is added on, but it is very easy to put in and take out money.
Just the opposite is true of a savings account. It is very hard to put in and take out, but you do make interest.
Basicly the same here, but they all give some interest... usually 1,5-2% on the worst. Most charge a fixed fee every year (just under 20$) if you have a VISA card tho.
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The bank account I have currently (which happens to be the same bank I've been with since the last one) gives me checking and Visa usage free. However, I earn no interest.
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Originally posted by Urchin
[BYou buy someone a gift card, for $50. Every month, the value of that card declines[/B]
You need a better Atty General in your State... Blumenthal here in Connecticut got a law passed where it is illegal to charge a gift card holder 'account fees' and they don't expire.
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Yep you should be upset.
First for not taking the contents out of your pockets before the clothes get washed. Your clothes, your responsibility, You should pay for the music machine you lost.
Secondly again for not realizing that exercising an adult tool such as banking (checkbook) and offers you accept without reading the contract, you alone are responsible for not seeing the charges FOR 3 FREAKING YEARS!!!!!
Don't blame Napster for a "theft" since they didn't steal. Go back and look at the agreement. I bet you'll find there is a clause in the contract that accepting the offer constitutes a contract and you will pay for that. It's not theft, they TOLD you they would take money for a service. It's up to you to look and read the contract terms. It's the ADULT thing to do.
The world does not owe you a living or lifetime care from itself. If you want to play in the adult world, party on dude, but accept the responsibility for your own actions.
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:aok
About time those American teenagers learn a thing or two about responsabilities, and stop being nutered by an 1968ish relaxed parenting.
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Anybody catch those commercials recently for the jokes of the day text msg'd to your phone? To signup, just txt a code to whatever number it says on the screen. In the really, really small print you'll notice that by doing so you're signing up for a joke a day @ $1 per day.
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Hell, you didn't even have to read the contract. It was a free trial and it had you give your CC#. Of course it was going to start charging you after the trial was over. Nobody stole from you, you did it to yourself. Been there done that with Real Media.
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One thing I've always like about HTC. They offer a two week trial without requiring a CC#... You don't see that often with other service providers...
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Urchin, don't be such a sucker again.
:)
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You always have to check every bill, every credit card statement, every phone bill, and your bank statement every time you get them.
Same goes for hotel bills, bills for tires when having them changed, etc.
I use a hotel in one city that every time I stay there they charge me a dollar a day for the safe. I tell them each time that I didnt use the safe and take it off the bill. They do, but they try that stunt each time.
I have had another hotel try to slip 3 phone charges into my bill for $20 each. Got that fixed. A hotel in Seattle tried to charge me 3 times for watching one movie. Had to have the credit card company remove that charge from the bill when the hotel kept messing it up.
Stories go on and on about this kind of crap. Buy tires from Sears and they will charge you all kinds of fees you didnt authorize or want. etc etc etc.
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I bought tires at Firestone last month and I had them go ahead and change the oil (sign said $21.99). Picked up my car and looked at the bill and the oil change became $44.99. Asked them about it and they said the oil change with the synthetic oil is $44.99. I told them I didn't want synthetic oil. They said they didn't know that. I told them that's because they didn't ask.
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If anyone remembers my Sears thread, it never rings more true. A company can "steal" legally thousands of dollars from a person and it's called a "draft agreement" My bank would not consider an $1800 accident from sears "fraud" because I had a "draft agreement" with them. It took sears almost a month to get me my money back.
If I accidently walked out of sears store with out paying for a TV, I'd go to jail even though I have a "draft agreement" with them to allways pay for my goods.
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See Rule #4
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Wow I hope you take that freaky hateful rant down urchin.
BTW mav is 100% right, it really is just your fault, you gave them a CC number nad agreed to the terms of their offer, I bet you didnt cancel the service did you?
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See Rule #4
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Hopefully you have learned and don't go 3 YEARS without reviewing a CC card statement. That is just plain foolish. Maybe they are in the wrong, maybe not. But if you were half way responsible with financial accounts you could have nipped it in butt 2yrs 11 months ago.
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Urchin, in your mind, is any of this in any way your fault that you didnt check your monthly CC satements for the past 36 months?
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I have a bridge for sale Urchin.
All I need is your credit card info to verifie your credit rating.....
yes you are naive.(not a personal attack, just a statement of fact)
hopefully you've learned something from this.
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See Rule #4
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I'll agree "TheMan" can screw you over good sometimes, but mostly when you're not paying attention and bent over.
But what'd you expect with this post Urchin?:huh
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Originally posted by Urchin
See Rule #4
Wow, I think somebody needs a nap. I can understand how frustrating it is to screw up and have it bite you on the bellybutton though. You'll probably be checking your credit card statements more closely from now on.
"But your a cop, I imagine that part of you is probably the dominant part."
That'd be "you're", and Mav is actually retired.
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Holy **** I can't be*******lieve any*******one would ******* disagree with you on this ******* thing Urchin. It's ******* obvious that you were ****** out of your ******* money by un*******scrupulous theives and ban*******dits. If I were you I'd ******* post this story on every ******* BBS in ******* sight. And ******* hurry!
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If it were anyone else I would feel sorry, but thats what happens when you treat people like crap it comes back at ya! enjoy!!
TJ
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Ha, you dont check your own bank statements, then when you realize you've been paying for a service you dont use for 3 years, you post your poor financial habbits for all to see?
Wow.
Check that statement monthly, reconcile checks, etc....had you caught this issue earlier...you woulda saved a bundle
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See Rule #4
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Urchin, you are so out to get yourself.
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See Rule #5
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Reading your monthly credit card statement prevents STDs?! Sweet!
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See Rule #5
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Originally posted by SOB
Reading your monthly credit card statement prevents STDs?! Sweet!
Good-bye condoms!!!
-SW
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Wow, this actually rates up there with JB73's meltdown. Totally awesome tantrum, dude!
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Yes AHs 2 week trial is the best, I use a refillable prepaid CC for internet purchases so I know exactly what goes in and out.
So I try to sign up for the WoW "free" trial, it declined my card for a free trial because I had only $10 on the cardī.:rofl
one thing I notice about banks though is,especially on or near your regular payday.
you have $300 in the account, pay 3 bills totalling $295, and sure as sin they will come up with some wacky out of the normal fee for $6, and suddenly your direct deposit paycheck is eaten up by overdraft fees.
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Originally posted by Urchin
See Rule #4
:rofl :cry :rofl :cry :rofl
Karaya
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See Rule #4
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Urchin, you need to calm down. Thick skin. Money is gone, say **** it, and move on. Just be glad you still aren't paying for it.
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I am over it. I was actually kinda surprised that the most common response was "haha, glad you got ripped off" though.
I had thought better of most of the people here, live and learn I guess.
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If you include me in that category I'd sure like you to post where in my post I said that. Quote me, please.
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Yea, I include you in that category.
No need to be coy now Mav, it looked to me like you scored a lot of points there. I can't really remember if you were leading the pigpile or if you came in with the second wave, but either way, stand up and be proud.
I know for my part, I stand by everything I said, there is no need for you to pretend like you don't.
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Originally posted by VOR
Wow, this actually rates up there with JB73's meltdown. Totally awesome tantrum, dude!
OMG, that's funnnny!
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the first rule of hole digging is when your in over yer head, stop digging.
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So...umm...what did you do with the bank statements and credit card statements when you got them?
You'll be well on your way to a happier, more productive life once you realise apathy and carelessness (not Napster or your washing machine) are the real bad guys. People here are trying to show you where you went wrong (yes, YOU) but you're not listening. It's an issue of accepting responsibility.
1. You signed a service agreement without reading it because you were careless.
2. Napster charged your account for 3 years without your knowledge because you were apathetic.
3. You're blaming Napster and the people in this thread because you're irresponsible.
Man up and admit your failure, but learn from it and use it as a tool to make yourself better.
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hahah ...sucker..consider this a warning to wacth ur frikn money..thsi day and age every bastrd is out to get you
blame yourself...you cant blame anyone else whos tryn to make a buck off suckers who dont check there money..
simpel lesson learned..but you sound liek a jaqazz in here
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(Insert Golfer humor)
I dunno about you guys but my credit card limit is so low that an identity thief would be so mad he'd come back to return it just to yell at me.
On the other hand I check my monthly statements from my bank, credit union and credit card too. Know what...I signed up for a "free" check of my credit score when I bought my dell laptop a couple years ago and low and behold...it showed up as a $75 fee. Good looking out you credit nazis.
There is also the option of online banking. With my credit union I can see instantly the status of my checking, savings and credit card accounts. I can make payments in any amount (must keep a whopping $5 in savings) to the credit card or transfer at my own free...and costless...will between accounts. Instantly have funds available from deposited checks (no waiting until Tuesday to spend the cash from the check I got on Friday type stuff)
Anyways...Hope you learned Urchin. I browsed through the first page and didn't read too much. Hopefully they took it easy on ya but I'm sure you were laughed and pointed at. Learn from it, don't do it again.
And when you buy something at best buy...make sure you cancel that free subscription to Sports Illustrated or you'll be billed for a year. When you go to the golf show...make sure you cancel the free trail subscription to golf magazine. When you go to the boobie bar...oh wait. nevermind.
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Originally posted by Hangtime
the first rule of hole digging is when your in over yer head, stop digging.
naw... I'll toss him down a ladder..... later.
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Originally posted by Hangtime
the first rule of hole digging is when your in over yer head, stop digging.
Use a bigger shovel and dig faster, maybe he can tunnel his way out,...:lol
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The second rule of hole digging is make sure you don't break a sewer main while you're down there...
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Originally posted by texace
The second rule of hole digging is make sure you don't break a sewer main while you're down there...
Is that how you get to S**t creek?, better take a paddle with you....
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That's what the shovel is for. ;)