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Jessica Olsen

Sprint's latest contract changes should let you out ETF-free, but good luck trying [Upd... - 0 views

www.pocketables.com/...free-but-good-luck-trying.html

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shared by Jessica Olsen on 08 Sep 13 - No Cached
  • The addition of the word “non-representative” seems to imply that you are not allowed to have a lawyer represent you during arbitration with Sprint. In other words, by agreeing to the new terms, you effectively waive your right in the future to an attorney.
  • print added this sentence to the new contract: “Call time for a single call may be subject to a maximum duration and may be automatically terminated if the maximum duration is exceeded.” This sentence didn’t exist anywhere, in any form, in the previous terms. In effect, it allows Sprint to terminate any call it wants, purely at its whim, and cite the excuse that it exceeded a “maximum duration” that Sprint doesn’t define anywhere else in the contract. This seems incompatible with the “unlimited” plans that Sprint advertises so heavily – if you signed up for service that was advertised as unlimited, and Sprint can now disconnect calls at its whim, this seems like a good reason to leave without paying an ETF.
  • Since Sprint obtains your credit report when you start service, and this clause involves debt collection, it is actually illegal for Sprint to do this: under the Fair Debt Collection Practices Act of 1977, Sprint is a debt collector. And according to the Federal Trade Commission, “A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.”
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  • Additionally, the Telephone Consumer Protection Act of 1991 protects people from being contacted over the phone by auto-dialers unless they specifically agree to it.
Jessica Olsen

360 Checking - The Basics - Capital One 360 Help Center - 0 views

helpcenter.capitalone360.com/...Topic.aspx

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shared by Jessica Olsen on 19 Aug 13 - No Cached
  • Can I have more than one 360 Checking? Customers can only have one 360 Checking. For example, if you have a joint 360 Checking with another Customer, you cannot have another 360 Checking with anyone else or a single 360 Checking in your name only.
  • Rejected Check. If a check is presented to us for payment and there aren’t enough funds in your account, there is a $9.00 Rejected Check Charge that will automatically be deducted from your 360 Checking.
  • op Payment. If we're able to stop a paper payment at your request, there is a $25 stop payment charge. Learn more about Stop Payments.
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  • Overdraft Line of Credit. You pay interest if your balance drops below zero and you use your Overdraft Line of Credit. Unlike traditional banks, 360 Checking does not charge a fee to use your overdraft, and there's no fee to sign up. If you use it, you will only pay interest on the amount you borrow.
  • Foreign Transaction. If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard® classifies as a cross-border transaction), we won't charge you anything. However, MasterCard may apply a charge for converting the purchase to U.S. Dollars. Please remember to notify us if you are travelling overseas.    
  • Are there any transaction limits on 360 Checking? Yes. The transaction limit depends on how you’re making the payment. Bill Pay: $100,000 per transaction Person2Person Payment: $5,000 per day. Individual transactions are also limited to $5,000 Mail a Check: $100,000 per transaction Overnight a Check: $100,000 per transaction 360 Checking Card ATM withdrawal: $1,000 per day 360 Checking Card purchases using your PIN: $5,000 per day 360 Checking Card purchases not using your PIN: $5,000 per day
    • Jessica Olsen
      Jessica Olsen on 19 Aug 13
       
      They are joking. I think there is a misprint here.  I'll bring it to their attention later.
  • Capital One 360PO Box 60St. Cloud, MN, 56302-0060
  • Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
  • Mail a check for deposit to (and be sure to include your Account Number on the check
  • (unlike 360 Savings, which as part of federal regulations has a limit of 6 withdrawals per month).
  • What is backup withholding? Backup withholding is when someone makes certain payments to you and you must withhold and pay 28% of those payments to the IRS. Payments that may be subject to backup withholding include, but are not limited to, interest, dividends and broker and barter exchange transactions. If you provide your correct Social Security Number, make proper certifications and report all your taxable interest and dividends on your tax return, payments you receive should not be subject to backup withholding.
  • Can I use a Capital One Bank branch to service my Capital One 360 account(s)? No, you can’t drop into a Capital One branch for help (the nice bankers won’t be able to pull up your account), but call us at 1-888-464-0727 from 8 AM to 8 PM and we can help you out.
Jessica Olsen

Help & More - Find a Free ATM - Capital One 360 - 0 views

secure.capitalone360.com/...atm_locate.vm

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shared by Jessica Olsen on 19 Aug 13 - No Cached
  • Notice to Cardholders of Member Institutions: If you're prompted to accept a surcharge, press "yes" to accept and proceed with your withdrawal. You won't be charged or Allpoint® will refund your money.
  • Allpoint® Money Back Guarantee: Surcharge-Free or we'll refund any fees you're charged. Some locations may have more than one ATM, not all of which are part of the Allpoint® Network. Check the ATM for the Allpoint® logo to ensure it's the right one.
Jessica Olsen

Contacting the Ombudsman | Federal Student Aid - 0 views

studentaid.ed.gov/...contact-ombudsman

Department of ombudsman Education federal student aid complaint request

shared by Jessica Olsen on 16 May 13 - No Cached
  • U.S. Department of Education FSA Ombudsman Group 830 First Street, N.E. Fourth Floor Washington, DC 20202-5144 Phone 1-877-557-2575 Fax 202-275-0549
Jessica Olsen

How to Dispute and Ask a Debt Collector to Validate a Debt - Get Out of Debt Guy - 0 views

getoutofdebt.org/...t-collector-to-validate-a-debt

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shared by Jessica Olsen on 07 Apr 13 - No Cached
  • Now, go to your local Post Office and send the letter by certified mail, return receipt requested. You will need to complete a return receipt card, like the one below, and attach it to the back of your letter before mailing.
  • Get Out of Debt Guy – Twitter, G+, Facebook If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
  • It is important to send this letter within 30 days of you being contacted by the debt collector. Do not delay.
Jessica Olsen

9 ways to silence debt collectors- MSN Money - 0 views

money.msn.com/...post.aspx

ways silence debt msn money credit collectors article

shared by Jessica Olsen on 07 Apr 13 - No Cached
  • Ask for the agency's address (you are entitled to this information) and check them out with the Better Business Bureau. Call your state attorney general's office to find out whether collectors must be licensed in your state. If so, confirm whether they are. Most states provide an online look-up tool for checking the licensing status of a business
  • Dump it back in their lap. If the debt collector is trying to collect on a debt that you don't recognize, or you think the amount is wrong, or you think it's too old, ask them to validate the debt. You have the right to do so under the federal Fair Debt Collection Practices Act.
  • A couple of years ago, Ginsberg interviewed Kenny Golde, who was able to settle $250,000 of credit card debt for less than 50 cents on the dollar and went on to write a book about his experience. In that interview, Golde explained that the key to his success arose from treating all interactions with debt collectors as business dealings, understanding that their focus is on collecting funds as quickly as possible, and knowing he had a certain budget he had to stick to.
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  • Keep in mind that making a payment could extend the statute of limitations on an older debt, and it doesn't prevent a collector from suing you to collect. However, this could be one tactic to try if your other attempts to make good on a debt aren't working.
  • Tell them to take a hike. Under federal law you have the right to ask a debt collector to stop contacting you. It's best to put this request in writing, either by mail or by fax. "They can still sue if they want," says Howard. "But the majority of debt collectors aren't set up to sue, they are set up to set you up on their autodialer and keep calling."
  • Ask to speak to a supervisor. If a collector is trying to scare and intimidate you, write down those threats immediately and ask to talk with a supervisor. Make a note of the supervisor's name. If you end up suing the debt collector for breaking the law in its collection efforts, "that's how you get punitive damages," says Florida consumer law attorney William Howard. "If it's just Billy the crazy collector threatening you, then they'll just fire him," he explains. "But if you complain to their supervisor, now it's not just their collector (that's the problem), but their internal procedures."
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