Aces High Bulletin Board
General Forums => The O' Club => Topic started by: texace on January 08, 2003, 12:51:08 PM
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Ok, so 2003 is starting off real crappy on my end. Seems some joker decided he would be funny and somehow got ahold of my credit card number. I use a Visa card that automatically withdraws money from my account when I make a purchase. Some joker got ahold of my number and I went from 400 dollars to 18 in a week without touching my card.
Bank and the cops have gotten involved. My card's been destroyed and my account might be closed. I have no idea if I'm going to get the money back, as the bank said it could take up to a month to get things sorted out.
Then, I found out that I need to get a brake job done on my car. Seems the previous owner did absolutly no work on the brakes, or any other part of the car for that matter. When I had the brakes inspected, the pads on three brakes (four wheel discs) were all less than 2 mm, and one brake had no pads left at all. Parents paid for it, but expect me to pay them back at least half...so there goes my next paycheck...
Then, I get told by the job I applied for that my application has been "put on file", so I believe that that job is one I won't get...
Lastly, it seems that my current job is cutting hours, leaving part timers like me without work and even less money...
:( I already want 2003 to be over...
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just remember life is a sine wave - you are at a bottom now but will be going up soon, just hold on
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Sucks man...but look at it this way, it is just money.
Lots of worse stuff could happen early in a year and that year can turn out okay in the end.
trust me...I know.
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how does insurance fraud sound to you???
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I only use checks or cash... plastic is just asking some thief to take your money... and there's a lotta thieves in this world.
-SW
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Originally posted by Eagler
just remember life is a sine wave - you are at a bottom now but will be going up soon, just hold on
Eagler speaks the truth! The thing is...not to become bitter over age when your sine wave is at its bottom...or you'll turn into an MG or a Weazel :D (Just kidding Weazel! well, sorta..:) )
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Cheap shot, at least I'm not a puffed up pretentious amazinhunk, and for that I am happy.
(Just kidding Ripsnort! well, sorta.. )
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Your still pretty young man, relax, life is how you look at it, and if you get all down about it, your going to be down alot.
Take it in stride and find another job.
Hell next time get your parants to loan you the money for some cheap tools and a book and you could have fixed the brakes yourself for half the money!
Life goes on.
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I feel your pain. Had my credit card number stolen and used for setting up adult websites. That looked real good on my monthly statement.
Then I lost my ATM card on Christmas Eve morning and didn't realize it until Christmas Day dinner. My holiday joy was shattered by thoughts of someone having a very merry Christmas on my tab.
The stole CC number taught me the value of shredding anything with my cc number on it, and to pay cash for restaurant bills.
The lost ATM card taught me the value of keeping enough cash on hand to cover typical expenses for two weeks, which is how long it took to get a new card and PIN.
Learn something from your situation or you'll be doomed to repeat it.
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Just remember that you were born cold, hungry, naked, toothless, and covered with blood.
Things were just bound to get worse. :D
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Thanks for the relpies, guys. I needed a place to vent and this seemed a less violent option.
I know things'll get better...I just hope it's soon.
:D
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Originally posted by AKS\/\/ulfe
I only use checks or cash... plastic is just asking some thief to take your money... and there's a lotta thieves in this world.
-SW
Well, I only use plastic, at least as long as it's not in my name and I can buy the card cheap from the neighborhood crackhead.
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that sucks texace... but how the shreck would someone get your # in the first place? Any amazinhunk friends? I also have a check card and I dont make online purchases with it (because of the direct w/d from the account).
I'm sure you've thought it over already, but is it possible an amazinhunk friend DID steal it? Have you made any online purchases (untrustworthy or unsecure sites)?
I'd be out for blood. Some bellybutton stole my wallet a few years back (before I had the card) from a locker at school. I had 70 bucks in there. It was a lot at the time :) I also had a few cards in there; my driver's license, a membership card to blockbuster video, and other stuff. I phoned the blockbuster to inform them of the card theft. Sure enough the punks tried to use it. Blockbuster denied service and gave me a description of them. Through cunning detective work, I already had a few suspects in mind and the description singled'em out. I didn't want to press any charges so I rounded up a few people and had some fun. I got it all back except the cash, but thats ok. Beating the toejam out of the thief was more than worth the 70 bucks.
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Originally posted by AKS\/\/ulfe
I only use checks or cash... plastic is just asking some thief to take your money...
so are checks.
anything involving trust can (in the case of money, will) be manipulated.
cash is the only way to go & has the double benefit of not creating a paper trail that turns into junkmail, spam, telemarketing calls and the unwanted attention of jon poindexter
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How? Only way I'm aware of is by filling in a different value in the amount area.
-SW
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You can all way join military. They need good man to kick Sudams ass. :)
Just giving some ideas :D
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Good news at least. The money is going to be returned.
Apparently, the fraud came from the computer I'm sitting on. I interoggated a few friends, got one of them to confess, and he is going to pay me back...right after I rearrange his face. Apparently he was the kind of guy that just wanted adult sites to look at. Told me that the sites only said they wanted credit card # to verify age...he signed up for 10 (!!!) of them that night...
The bank got real close to denying the return, since all the sites came from this computer. Once I convinced them that I did not touch my card at any time that Saturday night, as I was in bed, they wen further and canned the accounts on those sites, destroyed my card, reissued me a new account, and say they are going to try and get the money back. Wells Fargo is good about fraud protection...
The job is looking down still...no hours this week...
Oh well...at least the bank did their homework...
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What doesn't kill you makes you stronger.
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Looks like it can't be all that bad if your parents are about to buy you a Mini. Relax, stuff happens. Sounds like you did the right thing. And you've learned to NEVER give out your credit card to friends!
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Originally posted by gofaster
I feel your pain. Had my credit card number stolen and used for setting up adult websites. That looked real good on my monthly statement.
Then I lost my ATM card on Christmas Eve morning and didn't realize it until Christmas Day dinner. My holiday joy was shattered by thoughts of someone having a very merry Christmas on my tab.
The stole CC number taught me the value of shredding anything with my cc number on it, and to pay cash for restaurant bills.
The lost ATM card taught me the value of keeping enough cash on hand to cover typical expenses for two weeks, which is how long it took to get a new card and PIN.
Learn something from your situation or you'll be doomed to repeat it.
LOL i lost my card (err left it in an ATM) Dec. 19th .. paid the $47.50 for FedEX and got card the 23rd .. THEN told i need a new PIN but 1 was never ordered .... USLESS card till Jan 2 :(:mad::(
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Actually, Greese...I'm the one buying the car, my parents are helping me with financing options.
Thing is, I always toss my wallet on my dresser once I get home...my "friend" took my wallet off my dresser while I slept and used the number...
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Here is the deal.....it varies from bank to bank. With a debit card which is what you had, you have virtually NO protection. Some banks will follow the same rules as credit cards and only leave you liable for the first $50. However if they do allow this you must notify them within 15 days of finding out your card has been used. After those 15 days are up you are liable for $500 for the next 15 days. After those 30 days are up you are liable for the ENTIRE amount. Like I said these rules vary from bank to bank so you are best off checking with yours, usually these cards are issued by another bank and you might have to contact them as well. MORAL of the story, NEVER, EVER, EVER use your debit card for online purchases. Credit Cards usually have a $50 or lower liability for not just CC theft, but also if someone sends you a product that you dont feel is what you paid for....I've done this several times. But that is just the tip of the iceberg. Consumer Protection is the prime focus of my major at school, and I have found out multiple ways that people can get ahold of your card #. Before taking some classes I used to just throw receipts away. Well if you have never really looked at your receipts from even the smallest purchase, 8/10 of them with have your ENTIRE card # on it even with the expiration. Throw one of these away in the wrong place and your toast. Also if you go to a resturant and when you get your receipt back make sure you scratch out the last 4 digits of the card on the receipt. It is way to easy fot some shady waiter to imbelish his/her tip or pass CC #'s off to his friends. These are some examples there are 1000's more. Just use common sense and only use your debit card if you have to.
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could be worse tex. you could go 3 months unemployed, then right after you get a job (having depleted all your savings) you get a kidney stone, and thinking you are about to die because you've never felt pain like this before, you go to the ER even though you know you are going to get raped with the bill because you don't have insurance from not working at the new job long enough. When the final tally of $5000 in hospital bills comes in (one night in ER with CT scan, labs, and follow up next day with a urologist, and some wimpy narcotics that do nothing for the pain), you notice that all it will take for you to dig yourself out of the hole is 22 weeks of working overtime--if you can stay employed that long. So you see, it isn't so bad in the end. I know someone else here can top that. :)
and what hawk220 said.
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Originally posted by hawk220
What doesn't kill you makes you stronger.
Tell that to a polio survivor.