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Old 02-18-2014, 03:39 PM  
Stewie Stewie is offline
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Capital One will show up where you work if they want your money...

Capital One says it can show up at cardholders’ homes, workplaces

The credit card company’s recent contract update includes terms that sound menacing and creepy.

By David Lazarus
February 17, 2014, 4:32 p.m.

Ding-dong, Cap One calling.

Credit card issuer Capital One isn’t shy about getting into customers’ faces. The company recently sent a contract update to cardholders that makes clear it can drop by any time it pleases.

The update specifies that "we may contact you in any manner we choose" and that such contacts can include calls, emails, texts, faxes or a "personal visit."

As if that weren’t creepy enough, Cap One says these visits can be "at your home and at your place of employment."

The police need a court order to pull off something like that. But Cap One says it has the right to get up close and personal anytime, anywhere.

Rick Rofman, 71, of Van Nuys received the contract update the other day. He was spooked by the visitation rights Cap One was claiming for itself.

"Even the Internal Revenue Service cannot visit you at home without an arrest warrant," Rofman observed.

Indeed, you’d think the 4th Amendment of the Constitution, which guards against unreasonable searches and seizures, would make this sort of thing verboten.

Apparently not.
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Old 02-18-2014, 05:00 PM   #16
cosmo20002 cosmo20002 is offline
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Quote:
Originally Posted by Stewie View Post
They did in Greece. It's called "bail in" and steals money from private citizens for the good of the government. There have been new laws written in Europe and the US that allows the same thing to happen.
You mean Cyprus, and its really a stretch to compare that situation with a credit card company getting a little pushy in trying to collect a debt. It's really not even a legitimate comparison whatsoever.
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Old 02-18-2014, 08:00 PM   #17
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Originally Posted by BucEyedPea View Post
I read banks in Europe have resorted to just taking money out of people's private bank accounts.
You should read closer because it's in Greece and Cyprus. Cyprus is just taking money over a certain amount and Greece is only seizing bank accounts if the person is delinquent on taxes.
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Old 02-18-2014, 08:02 PM   #18
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Quote:
Originally Posted by Stewie View Post
They did in Greece. It's called "bail in" and steals money from private citizens for the good of the government. There have been new laws written in Europe and the US that allows the same thing to happen.
heh it's cute that you still pretend like you have a clue.
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Old 02-19-2014, 12:05 AM   #19
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Good. Ppl need to pay their bills. Those who dont get off so easy. I know a couple who is going to foreclose on their home because they cant afford it and keep popping out kid after kid. Theyve lived in the god damn thing for 9 months, havent paid a mortgage payment. Now they are getting ready to leave and the house is beyond ****ed up, and they are spending money like mad on random BS
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Old 02-19-2014, 03:00 AM   #20
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I think the rules about them being able to contact you at work vary by state.
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Old 02-19-2014, 03:03 AM   #21
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Old 02-19-2014, 07:21 AM   #22
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Quote:
Originally Posted by Stewie View Post
They did in Greece. It's called "bail in" and steals money from private citizens for the good of the government. There have been new laws written in Europe and the US that allows the same thing to happen.
It's not just in Greece or Cyprus anymore. It's even being considered in England and other parts of Europe. It will come to America as well.

Greece is part of Europe--for those acting like it isn't.
Exclusive: EU executive sees personal savings used to plug long-term financing gap

http://www.reuters.com/article/2014/...A1B1ZI20140212
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Old 02-19-2014, 07:48 AM   #23
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Quote:
Originally Posted by BucEyedPea View Post
It's not just in Greece or Cyprus anymore. It's even being considered in England and other parts of Europe. It will come to America as well.

Greece is part of Europe--for those acting like it isn't.
Exclusive: EU executive sees personal savings used to plug long-term financing gap

http://www.reuters.com/article/2014/...A1B1ZI20140212
You know how I know you didn't read the article?

stupid bitch is stupid.
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Old 02-19-2014, 08:07 AM   #24
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You know how I know you didn't read the article?

stupid bitch is stupid.

Do you really think you're intelligent?
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Old 02-19-2014, 08:46 AM   #25
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15 U.S. Code § 1692c - Communication in connection with debt collection

(a) Communication with the consumer generally
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian and before 9 o’clock postmeridian, local time at the consumer’s location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.

(b) Communication with third parties
Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

(c) Ceasing communication
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1) to advise the consumer that the debt collector’s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.


(d) “Consumer” defined
For the purpose of this section, the term “consumer” includes the consumer’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

http://www.law.cornell.edu/uscode/text/15/1692c
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Old 02-19-2014, 08:48 AM   #26
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Old 02-19-2014, 08:52 AM   #27
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Quote:
Originally Posted by BucEyedPea View Post
I read banks in Europe have resorted to just taking money out of people's private bank accounts.
They do that here too, and they will take every penny plus YOUR bank charges a fee for it, leaving you a negative balance, then they tack on a negative balance and overdraw fees for anything in process.
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Old 02-19-2014, 09:58 AM   #28
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Lesson here: Pay your bills.
ding ding!
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Old 02-19-2014, 10:00 AM   #29
King_Chief_Fan King_Chief_Fan is offline
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You know how I know you didn't read the article?

stupid bitch is stupid.
pot? kettle?
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Old 02-19-2014, 10:01 AM   #30
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I would imagine this is just posturing. You would have to owe an awful lot of money to make it worth their while to come to your house and ask for the money again.
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