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Thread: 2010 Midterm Results Discussion

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Birdzeye View Post
    You clearly don't know me. I don't see how outlawing certain shoddy business practices amounts to the government taking on personal responsibilities. I see it as telling businesses that certain practices will not be allowed by law. I think that supporting such laws is an act of personal responsibility by demanding that certain ground rules (of what we often call "fair play") be observed. If businesses abide by that law, then the government won't get involved. If they continue those practices, then I as a consumer can seek civil or criminal penalties. What is so wrong with that?
    Fraud and deceit have always been illegal. We didn't need Obama to pass a law, we only needed people like you to take personal responsibility. If the credit card company was wrong, close the account and they will freeze your rate and would have eliminated the late fee. You seem to want to keep the benefits of the card without accepting the responsibilties of having that card.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Birdzeye View Post
    You clearly don't know me. I don't see how outlawing certain shoddy business practices amounts to the government taking on personal responsibilities. I see it as telling businesses that certain practices will not be allowed by law. I think that supporting such laws is an act of personal responsibility by demanding that certain ground rules (of what we often call "fair play") be observed. If businesses abide by that law, then the government won't get involved. If they continue those practices, then I as a consumer can seek civil or criminal penalties. What is so wrong with that?
    It's already against the law to charge late fees for payments that are not late.

    We've had this happen to us many times before and we have never once paid a late fee. I think you're leaving the part of the story out where you just give up and start pouting about those meanies at the bank, rather than taking the initiative to see the issue through to completion.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Ikari View Post
    They didn't. They made more intrusive government, they went against the liberties of the individual, they increased debt and spending by fantastic quantities. So tell me again, how are the Republicans and Democrats different?

    I didn't, and I don't believe that they are different. However, some of the more conservative posters seem to believe that the Dems have a monopoly on raising debt and deficits, more intrusive government, etc. etc.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Birdzeye View Post
    What personal responsibilities have people shirked when they got ripped off by companies that engaged in anticompetitive shoddy practices such as the ones I've mentioned? What about companies' responsibilities to deal with their customers in an ethical manner? Or is personal responsibility only for the little guy?
    I give up, nothing is going to change your mind. The consumer has the clout, stop buying from companies you believe have shoddy business practices. Stop using credit cards, stop blaming someone else for personal failures.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Coronado View Post
    It's already against the law to charge late fees for payments that are not late.

    We've had this happen to us many times before and we have never once paid a late fee. I think you're leaving the part of the story out where you just give up and start pouting about those meanies at the bank, rather than taking the initiative to see the issue through to completion.
    But it was done through creative bookkeeping. Since those practices were so widespread, looking for a deal with better treatment was not a viable option.
    That is why people were clamoring for the recently passed law.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Birdzeye View Post
    I am sympathetic to the challenges small business owners face, and would support efforts to make things easier for them.

    However, I was talking about the shoddy practices inflicted by businesses on consumers, perfectly responsible people who have made no "stupid choices," but have gotten dinged with a $40 credit card late fee because the company held onto their payment and didn't post it until AFTER the due date (even though they got the payment BEFORE). Since that kind of practice has been so widespread, it was next to impossible to shop around for a business that treated its customers better; hence, the need to outlaw practices such as that - and the conservatives have been against that kind of reform in business practices.

    Even if people just decided en masses to ditch all their credit cards, there are still the banks. In our society and economy, it's not practical not to have a bank account of some kind, and responsible people were getting dinged with "NSF" fees because of creative account "management" by their banks, resulting in negative account balances when the money really was there. Again, we got reforms to outlaw those practices - despite the opposition of conservatives.
    even with banks cash is king...use cash or a debit card to purchase items, and learn how to ballance your check book and these things don't happen. In the rare case that they would, you can complain to your bank and they should fix the problem, otherwise you move your money to a different bank.

    and if this is happening to the point that it is actually damaging you financially, you have some real problems beyond the bank dinging you for overdraft fees....you just suck at handling your money.
    Last edited by Graffight; 11-03-10 at 05:17 PM.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Conservative View Post
    I give up, nothing is going to change your mind. The consumer has the clout, stop buying from companies you believe have shoddy business practices. Stop using credit cards, stop blaming someone else for personal failures.
    And I've been saying that that "clout" you are dreaming about is largely illusory. Your mind is made up, and you're giving ME grief about me changing my mind? LOL

    What are my personal failures? You don't see businesses as having to adhere to some responsibilities that you want me to adhere to? Double standards much?

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Birdzeye View Post
    But it was done through creative bookkeeping. Since those practices were so widespread, looking for a deal with better treatment was not a viable option.
    That is why people were clamoring for the recently passed law.
    No, it was done by someone mistakenly crediting your account late. There's not some big conspiracy against you to charge you a late fee.

    As for the new law, it doesn't change the fact that fraud (which is what you are assuming the banks are engaged in) has been illegal for centuries.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Boo Radley View Post
    I'll look for it again. As for price versus quality, do we really want an inferior product in education and medicine? Really?
    the education product is already inferior...competition will not make it worse (probably can't make it worse...just sayin)

    medicine is not inferior, BECAUSE there is competition HEAVY competition.

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    Re: 2010 Midterm Results Discussion

    Quote Originally Posted by Coronado View Post
    No, it was done by someone mistakenly crediting your account late. There's not some big conspiracy against you to charge you a late fee.

    As for the new law, it doesn't change the fact that fraud (which is what you are assuming the banks are engaged in) has been illegal for centuries.
    It's called '**** HAPPENS'.

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