Seems to me, agency so glad to hire out MT, just

• advise - elonmt
  • That is too bad - sm
  • If U do apply for job, approach that facility and U - were victims of agency. You were not responsible.
  • advice - elonmt
    • Can you talk to facility and find out if mistakes - were prob? If they say no, call agency.
      • Maybe, if agency lying, you can get any fees back - & get out of contract(?) so U can apply after vaca
  • I think I have this straight- - Advice to you
    • My take is agency knew of vaca. but didnt tell - faciltiy when suppling the MT. Agency fault, not M
      • Seems to me, agency so glad to hire out MT, just - hoped vacation issue worked itself out. nm
  • After vacation, go to facility and apply? This might - not be possible depending on contract with agency.
  • Do you think they would take - truffle
  • Facility was so ticked with agency, no way you - would come out ok. Agency prob, not yours. nm
  • This is not a "you" problem. This is a "them" - problem, for sure. Dont beat yourself up over it.

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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?

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?

Just curious--how much do you do yourself around the house?  When do you pay others to do the work?

When we bought the house in the country, the previous owner was telling me about: the guys who plow her driveway, her cleaning lady, and she offered to give me the name of her window cleaner. 

We don't pay others to do what we can do ourselves.  I do the: cleaning, gardening, window-washing, painting.  DH does the lawn, small repairs, clears the driveway, etc.

Only time we pay someone else is when the job requires more expertise than we have--for instance having the heater repaired, or major electrical work (DH can do the small stuff).

I even ripped down the 4 foot stockade fence in the back yard, tilled my vegetable patch, dug up some medium-sized bushes, etc. myself.

So, how much are you willing to do? where do you draw the line?  Why?

Whether modular or traditional stick-built, there are a million details, legalities and regulations involved - and you'll likely still need some local subcontractors.  A good general contractor can save you a ton of grief and bad experiences.

not too long ago.

Life is way to short.  I had a stepmother like you.  Once I lost my mittens and it was freezing outside and I had to walk.  This wench actually got in her car, found me on my way to school in a snow storm and took the mismtached pair that I had found in a box.  She was an awful woman and I never saw her again after I was 16 and left the house.  I hope she has as miserable a life now as she deserves.  Don't be a petty witch with your children.  They will resent you in the end, may be even slash your perfect tires....

I never went to the ER (I have to be almost dead before I go), so I suffered about 4 episodes before I went to the doctor.  I didn't know what it was.  Each attack got worse.  After the last one, which was horribly painful, I went to the doctor,and didn't hesitate to get surgery done.  I had a "rock garden", the tech called it.  It was PACKED with stones!  I had to wait almost 2 months.  I was so afraid to eat I lost 12 pounds in 2 weeks!  No exercise either!  THAT was easy! Having never been in a hospital before as a patient, nor even having had any kind of procedure, the anticipation of the surgery was MUCH worse than the procedure.  But I was a healthy person with no previous surgeries.  I had almost no pain after, and took it easy.  I went back to work after 3 days.  I don't know what the risk would be with your recent surgery.  It's something to talk out FULLY with your doctor. 

You'll make the right decision.