Maybe, if agency lying, you can get any fees back
Posted By: & get out of contract(?) so U can apply after vaca on 2008-02-12
In Reply to: Can you talk to facility and find out if mistakes - were prob? If they say no, call agency.
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Problems with lying on back? anyone else?
For a couple of years I have had trouble with trying to sleep on my back....if I lay flat on my back for more than 10 or 15 minutes I get extremely nauseated...if I fall asleep on my back, I wake up freezing cold. I am a little overweight but not obese. I do have a rather large chest though...I have been embarassed to go mention this to my doctor because it sounds silly to me, but yet it happens every time. The last few days I have been having pain between my shoulder blades and palpitations....I am starting to really worry about my heart but I am just embarassed to go and mention it. I am 40 years old. I know some of you will scold me for not already going....but has anyone else had these symptoms?
Problems with lying on back? anyone else?
Don't be embarrassed about going to the Doc!
Honestly, it sounds like your body is trying to tell you something is wrong. Please get thee to a Doc asap! If nothing else, at least for peace of mind!
Panhandling fees have certainly gone up!
Went to get a bite to eat today and buy some new shoes and a panhandler out on the street asked me for $100.00. I guess the inflation is hitting them hard also.
We have no fees as long as we keep - sm
$1K in the account at all times, it it falls below that (they average the total and divide by the number of days in the month) then they nail us for $7, but that is it though did have free checks too until last time, noticed they charged $30 for one box of checks (these are the plain green ones). Guess I should make sure they did no mess up and charge me by mistake but figured it probably was not a mistake. We also get charged $3 a month in our savings account but have that over the min. now so that is no more.
Not charged any fees for any banking
Once you get my age you get benefits of no fees. Love these golden years!
Try a credit union. Don't pay fees; use
ajlajd
I have 4 bank accts and pay no fees at all.
nm
You are not obligated to pay doc fees, licensing, tax, admin
Whatever you do, go in with confidence. Tell them you will not pay for those fees; that is the obligation alone of the car dealership, not you. And don't fall for fees for undercarriage protection, etc. Look at the invoice price....state what you can/will pay and be firm. AND, if they want to sell a car bad enough, ask for an extended warranty WITHOUT you having to pay for it. You can always play the "I've got another car I'm looking at another dealership" card...
Just stay firm with what you are willing to pay. Let them know that is ALL you can pay and whatever you do, no matter how nervous you may feel with all that garbage talk they feed you, come across calm, cool, and collected. If the guy doesn't think he is going to get his way, he may push the manager for the price you are willing to pay!
Also, look at the same make and model online and see what other prices are put out there, so you can go in with a fair price and let them know, if they start pushing a higher price, that you CAN find it at a lower price.
GOOD LUCK!
Agree can be hidden fees no matter where bought.
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Facility was so ticked with agency, no way you
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Seems to me, agency so glad to hire out MT, just
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Collection Agency Tactics??
Does anyone know who I should contact, or if I have anything to complain about regarding a collection agency out of Texas. I used to actually work for a collection agency 20+ years ago out of Florida, and we would NEVER have been able to say what these people have said to me via phone, let alone in a letter I just opened. Long story short, yes, I owe HSN $200+ for a computer I bought on a payment plan of $135 a month. Before I was done with payment #2, it broke, and thus began months and months of me sending this junk back and forth with Gateway. It was a lemon model, thus why it was offered for 5 payments on HSN. After I made payment #2 and Gateway had the computer for repairs more than we had it to use, I called HSN. In no uncertain words, the sales rep told me "you bought it, you deal with it". There were lots of reviews at this point on HSN and all buyers were furious, as it was junk. HSN quickly removed the computer and reviews. So, yes, I have been lax in paying it, but it didn't even last 2 months. At any rate, they throw me to a collection agency, who calls at least 15 times a day. I am sending them payments. I get a letter today that actually says they are going to "ASSEMBLE AN INVESTIGATIVE REPORT WHICY WILL OR MAY INCLUDE...INFORMATION AS TO MY CHARACTER AND GENERAL REPUTATION"... the caps and bold are their writing. It then goes on to say that I should send $$ immediately as they have "NO DESIRE TO CAUSE ME EMBARASSMENT"... Can they word things this way? I have never in all my life seen anything worded to this effect, as obviously, even though they use the word "may", it is a direct insinuation to scare me that they are going to ruin my reputation and are questioning my character, and threatening embarassment. Seriously, has anyone ever seen this before? I don't have a lot of experience with agencies, other than working for one decades ago, and hearing horror stories on TV shows about stuff like this, which I could not believe! Does anyone have any thoughts on who I could contact? I wonder if HSN knows this agency is saying personal stuff like this? I know companies just farm out their old debts to agencies. Again, its a tough one for me to swallow, as the computer never lasted even halfway thru their 5 easy payment plan, but I have recognized the debt and am paying, albeit at $50 every 2 weeks. But this insulting letter was just the icing on the cake for me. Do you think its legal?
Dear Collections Agency:
Have you heard of the recent economic crisis? I'm sorry I had to go to the ER without insurance, but honestly, your doc saw me for five minutes and couldn't even remember why. I think $750 for laying on a gurney for two hours is pretty unreasonable. I didn't go there to buy his next Corvette.
If you ever call me at 9:00 pm again while I'm finally having a good nights sleep, I will find you.
Also, just for that, you have now been rotated down to the bottom of the list of people I owe. Pity, you were next in line.
Thanks,
Broke MT
Dear Collections Agency:
Have you bothered to learn the laws governing your job? In case you had not noticed, people are getting laid off left and right these days.
I have explained to you for the last time that the bill you have called me about 12 times this week went on a bankruptcy filed and discharged 9 years ago. YOU CAN NEVER COLLECT ON IT.
When I am currently considering myself lucky to have a job at all and struggle to pay my bills, why would I pay you for something the Courts said I no longer needed to worry about?
Please leave me alone. Harrassing me will not help you keep your job and may in fact cause you to lose it.
Thanks
Dear Collections Agency,
Please stop calling my phone number looking for Dave. I do not know Dave. I am not related to Dave. I have never heard of Dave except from the last collections agency who kept calling me. I understand that Dave had this phone at some time in history, but I have had this number for FIVE YEARS now. Dave isn't coming back. If I knew who and where he was, believe me I would tell you so that you would stop calling me.
My take is agency knew of vaca. but didnt tell
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Anyone ever been sued by a debt collection agency
My husband and I have an account which we feel we don't owe. We cancelled it within the amount of time we thought we had to cancel, but were later told the contract for services was not cancellable (a vacation timeshare). The original amount was only $1,000.
Since that time, the timeshare company has sold our "debt" to a third party collection agency, Apelles. They call at all hours and even on weekends. Since I have caller ID, most of the time I don't even answer. This morning, however, they called at 8:45 and woke up my kids. I was a little annoyed, to say the least, and I'm just wondering: Does anyone have any personal experience with this company. I'm thinking about sending a Cease and Desist letter, but I'm worried that that will trigger them to take me to court. Has anyone ever been sued by Apelles? I would think our amount is too small to be worth their time and that they would just try to sell it to another agency. Any thoughts?
Collection agency guy told me as long as make any
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Would you think someone was lying if they said this? (sm)
I have someone I have been seeing for a while who never calls but emails me all the time telling me that he loves me and misses me. But he always says it like this, "I really love you, I mean it. I hope you believe me." or "I am going to miss you while you are gone, I hope you believe that." It is starting to bother me that he always has to add the "I mean it"or "I hope you believe that" part. Why would I not believe it? Why would he not mean it? Does it sound like a lie to you?
He has always written me the sweetest, loveliest emails yet never calls (maybe 10 calls in an entire year and a half). I don't see him all that often but when I sugggest seeing someone else he gets upset and begs me not to, says he will do better, but then things stay the same. I really do care for him but I am starting to wonder if I am just being taken advantage of. He has borrowed small amounts of money from me throughout this time, most of which I have told him not to worry about paying back. So now I am wondering if he is just writing the sweet emails to try to keep the gravy train rolling? 
it's not lying
It's just not. I was about to get all preachy and talk about how we need mythology in our lives--stories that tell teach us morals, that remind us of our traditions--but I'll stay off the soapbox for now and just say that for as long as my kids are willing to believe, I will give them stories to believe in. The five-minute cry when they discover Santa isn't real, is more than made up for by the years of joy beforehand, don't you think?
As for talking in front of the kids, I don't think that's really a big deal, either. Kids love to put this stuff together in their heads, make up stories about it--how come there are so many store Santas? How come mom and dad are hiding these presents in the attic? They ask those questions and still believe. They're kids; they're good at that.
lying
If he is routinely confessing to you about his indiscretions, assuming this is how you know about them, and he is not afraid of you or the consequences, I assume all things being equal, you are free to do the same.
the lying is only part of it
Obviously there is more going on than just the fact that he is lying.. Why is he lying - what is he doing with the money?
You certainly weren't lying after
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Husband lying and I am going carzy
At least once a week I catch my husband in a lie, and it is always about money. He writes checks and lies to me about what they are for, how much they are for, etc. If I ask him how much money he has on him he will even lie to me how much he has. This is just a general question I ask him to know if I need to go get my own or if he has enough for whatever we have planned. When I asked him about it he gets angry and defensive and "cannot remember." Or he will say he told me about it and make me feel I am going crazy. We are actually trying to do Dave Ramsey's "Financial Peace" which says you NEED TO COMMUNICATE ABOUT MONEY AND KNOW WHERE IT IS GOING. What do you think is going on? Where do I get help? I am ready to leave, as he has been lying to me like this the whole 16 years of our marriage. He had a major gambling problem years ago and a counselor once told him, even though you've stopped the gambling you have not stopped the behavior, but he still doesn't get it. I have been in counseling three times with this man. I feel like i am the only one giving 100% to this marriage. I just need to know that it's okay for me to be frustrated and upset and ready to leave this marriage because of it, or am I just freaking out too much? He makes me feel crazy most of the time!!!! Our kids adore him, but I cannot live with him. What do I do?
I certainly do my fair share of lying
but i can't say that i've ever really made up anything huge but nobody has ever really called me on it either. Maybe those I lie to are either just gullible or too nice to say anything about it or maybe not good at spotting a lie. I don't know, but I do know I lie a lot. Maybe it's because of my low self-esteem, and maybe that's why people don't really call me on it, because they pity me too much.
Leave the lying, cheatin dirtbag.
It's lying in the absolute literal sense, but so what.
I think it's part of the fun of Christmas. I wasn't traumatized by thinking Santa was real when I was small. And my children, who are now 18 and 20, seem to be well adjusted, too. I also don't think that lying to your children is the worst thing you can do as a parent. The "controlled dissemination of information" can be a good thing. My kids don't need to know what I did when I was a wild child, for example. And on occasion I've told them there were no more Little Debbies in the house, even though I had a personal stash hidden away. LOL!
As far as Santa goes, I loved it. The way I explained it to my children when they got older and stopped believing was that when we're very little, Santa is a noun. He's a jolly old man who brings us gives, a very concrete thing. When we're older, Santa becomes a verb that means "to give". When my oldest became aware of the Santa reality, he wanted to "Santa for my little brother", and kept the fantasy alive for him. Now they do that for others. I consider that a reality.
The arguments regarding the honesty of the Santa fantasy will go on and on. In the end, it's a personal family decision to participate or not, and I think we can all be respectful of other family's decisions by not divulging the truth within earshot of children who believe, and not arguing over the issue with parents who believe otherwise.
whichever one is lying will be the one to resist the meeting nm
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Doesn't sound like he's lying, just sounds like you have different wants.
You're comfy in your life as it is. It's one thing to gain love again, it's a whole different story to gain love along with a roommate and all that comes with that, including losing some sense of freedom and space.
Letting a child about Santa isn't lying, sheesh
Telling about Santa isn't lying, it's a rite of childhood for millions of kids, as is the Easter Bunny and the Tooth Fairy. I see no harm in giving my children hope in something so good as Santa. I don't remember being crushed as a child when I found out about Santa, I only remember the joy of waking up on Christmas morning to a full stocking and the anticipation of waiting for the big guy. We were so poor that I don't know how we ever had a Christmas but somehow there were always gifts from Santa, to me that's what he's about, not lying but believing.
People take really strange things far too literally, takes the fun out of the simple things in my opinion.
OMG you are living my life!!!! (Mine is lying behind me as I type this!)nm
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As the saying goes - "Let lying dogs sleep" - no DNA is not in order
What on God's good earth would that accomplish? So that some sick tabloid could then publish a story about this? Those kids know MJ as their father. I don't care whether someone thinks they don't or do look like him. I have a brother in law who looks nothing - and I mean absolutely nothing - facial features, hair color, skin color, or anything, like anyone in his family or even any ancestors in his family. When husband and his sibling are together they all act alike and they all have the same smile, two of them have the same eyes, 3 of them have the same nose, and the way they say certain things they sound like each other and their parents, but not my BIL, his hair, skin color, the way he laughs, talks, or moves - absolutely nothing like his mother, father or any of his siblings. They joke that he was switched at birth, but from the time he was born he was never out of his mother's site in the hospital.
I think most of America does not need to know whether or not the children are really his. For someone to come out and say "I think a DNA is on order", the family should tell that media clown - it is none of your business, leave Michael Jackson's kids alone. They are going through enough as it is. I hope MJ's family tells them no. And I think Debbie Rowe should keep her trap shut.
No, but I hate my lying, stealing, sociopathic brother. Does that count? NM
z
Then they can get right back on their tires and rafts and float on back to Cuba! nm
nm
Back-to-back black swans that look like (sm)
a giant moustache. My MIL painted it for us and put our last name on it and my DH nailed it to an outside storage room door. It looks ridiculous, and when the kids have other kids over they always ask why we have a giant moustache on our door!
Hayseed was back a few weeks back
But we haven't heard from her since. I miss her too. I hope she's doing okay.
Well, I'm going to at least try to take it back...
...and if they don't believe me, I can't really blame them. Several years ago, they had someone return a computer and get another one, and when they opened the boxes later, they were filled with wood and rocks, etc. I'm still looking for my receipt, but not holding my breath.
My dad used to work at Lowes and he said they kept finding empty nail boxes behind the full boxes. Turns out, people were combining two boxes of nails and only paying for one. I didn't realize nails were that expensive. Who knew?
thank you so much for having my back.
for a little bit was beginning to think i was crazy/
i havent said anything to her yet, but i have to many parents and one of them spoke to teh principal who laghed it off. teh teacher, when that parent talked to her about it, said that seh goes thru this every year with parents and that teh children wanted to talk about it. i told my mom adn let me tell you, she is PO'd to say the least. tonight is our christmas program, my mom said she was going to talk to her, i think i'll be standing right next to her. i cant wait. i wish i was more vocal, adn wasnt so scared that if i did make a fuss she would treat my daughter differently. just dont know what to do here, i feel like screaming, but am too scared...isnt that silly.
MTT, you just took me back to...
that baby sweet smell of Dreft that I used when my kids were little! 
Back at ya!
Sorry took so long! Chickens rock!
Could it be your back...sm
Causing the pain in your foot? Up until just recently, I had that electric-shock feeling in my foot when I would turn it a certain way. It was excruciating! But it would only happen if I turned my foot at a certain, odd angle, like when I was stretching, so I just tried not to move it that way. It lasted for a good 2 months, then finally went away on its own.
I'm certain this was caused by whatever is going on in my back, though. In the last few years, I've started to have a lot of problems with my back. My doctor thinks it's because I have scoliosis, the degree of which is considered mild, but they're finding out now that even mild curves can cause severe pain.
Mostly my pain is from muscle spasms, but there is also definitely some "pinched nerve" type stuff going on at times. Lately I've been feeling an odd sensation almost like something is encircling my big toe on that same foot that had the shock-like pain, but it's very mild.
Anyway... maybe you could see a chiropractor? I went to one in the past, and I could really tell a difference. If I missed an appointment, I'd start to feel that sciatica-type pain down one leg. Also, a physical therapist might be able to help with exercises and tips. Insurance will usually cover that, but they don't always cover chiropractic care.
I got a TENS unit through my PCP and that helps relieve the pain, and I do stretching and strengthening exercises (I even have a DVD for yoga exercises specifically for the back and scoliosis that I *really* need to start doing.)
Anyway, just throwing out some ideas for you. I hope you can find a solution. I know that "shock" pain is horrible!
thanks - got it back
z
No. I don't think they are trying to win back--sm
their customers. This particular company has had negative reports about their products for years. Personally, I would never give this pet food to any of my pets even prior to the tainted pet food scandal just because of the negative reports about their food. They are going to be faced with a number of law suits anyway, in regard to the tainted pet products, as are probably some others. I don't think their giving away free pet food is going to win back anyone, who has a lick of sense in their head and true concern for their pets. Actually, being a pet owner, I think I would stay away from any and all of the pet food manufacturers involved in this tainted pet food business. I would no longer trust their products to be safe, no matter what the conditions after the fact. The *quality* pet food manufacturers are not on the recall list, so I would stick with them, for now. but then again, this is just my opinion.
I just got back from looking.
It was awful. As far as the chickens and the sheep, that really did not bother me at all. I grew up on a farm. They had had a party a few months ago and never cleaned up. It smelled of urine. I still have that awful smell with me. GAG. The place looked trashed. There were holes in the walls. I know you are supposed to look beyond that and I tried and tried. The fact that they knew since Monday that we were coming to look, I think they should have made an effort to make it look presentable. Even the realtor agreed with me on that. I don't feel they took us seriously. The realtor said they already came down from 130k to 125k so the potential buyer could put in new carpet or steam clean it. I tried not to make a face but Dh said I had rolled my eyes. My cousin, who knows the owner, said these people do this for a living. They buy houses, live in them for a little while then sale them for profit. I don't think they have a clue about their business. IMO.
DH looked into the attic. He said he could move the beams with his hand. He did put his face on the wall in the living room, he said it was crooked. DH said that our house is better built. I noticed cracks between the ceiling and the baseboard in the loving room but I thought maybe just the baseboard needed to be renailed. DH thinks that is an indication the house is sinking.
The only thing we liked was the living room, sun room and that shop outside. I liked the backyard but the master bedroom was too small. The one I have now is small but it is bigger than that. I want bigger, I don't want to downsize. The other two bedrooms I thought were too small as well but we could live with those if we had to.
I guess the reason they did not take us seriously and did not put out an effort was because I had already told them that 125k was too high for that neighborhood. THe realtor lady said that they had come off but evidently that 125k was their comming off price. I don't think I would want to pay 70k now, not even 50k.
Just getting back to you but the dog
had foot surgery- I saw it prior and had like a lipoma removed from its foot (have seen it since also). Apparently the dog has problems with being mobile as older dog, heavy dog (the guy fed it scraps from the table)and thus the reason for the mother giving it drugs for pain, sorta like I take ibuprofen daily because of fibro. Anyway, I appreciate the post- got email from her again this morning, about nothing really, but once I answer know it will get back to the doggie issue. Several people associated with her have sent her books, items, etc. about her enabling, so she tells me, but she will continue. I have a now deceased husband who did exactly the same- you would never have made him understand it does not help. He told me he would go to his grave and not do any differently and he did. I am not sorry for paying for the surgery but now have decided no more doggie medicine money. Thanks again!
Hey, I just got back from there
and was at the Belliago and I sure did not have freebies. Don’t you have to be one of the big rollers (or they think you are going to spend a lot at the tables) to get deals like you are talking about? Regardless of what places give away free, too spoiled to stay anywhere else now since my stays there.
I back you in everything you have said
and people who think you can ask nicely are probably the ones who have the problem children. Some kids just do not like anyone older saying jack to them. Sorry some people want to hide their heads in the sand. Their children probably don’t know how to behave either so they think youre asking/telling the kids to go was wrong. The kids would have responded the same way to either asking or telling. Poor upbringing.
No, not at all. I'm 37 and am going back SM
to school to be an ultrasound technologist. I started this path back in 1993--graduated from rad tech school in ྛ. Then I had kids and never worked in the field. Went back to school in 2000 to become a medical Transcriptionist and have been working as an MT ever since.
Now, I'm finally working toward finishing my ultrasound degree. I'm really excited about it. I sometimes worry that I'm too old, but I'm not going to let that stop me.
You can do it! 
Chickadee
I'm 60 and going back - nm
nm
I think I would think back to before it went bad (sm)
The last time you knew he was happy, and find somewhere you can spread them. A place you know he enjoyed or something like that. Before things went downhill.
Just came back and saw something
it was close to where Depends are kept, urinary incontinence supplies- for people who may can not wash their hair and it is a dry substance you put on and comb out, I believe. I have seen other things like this before also.
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