Debt Free or Bust

Rotten Week

This past week was a bummer. Not only was I scammed and had to take care of all that, my son’s bike was stolen out of our garage, there is a leak in the garage roof and it’s been raining like crazy, and the hot water heater quit working. Murphy’s whole family seems to have moved back into my house.

The roof leak is pretty bad and I’ve got to get someone out here pretty fast to fix it. Right now, every time it rains I have a 10 gallon puddle to clean up with the shop vac. We also seem to be breeding our own batches of mosquitos, so that’s got to be fixed before anything else.

My son located his bike down the street today and brought it back home. It’s damaged and I don’t know how much if anything it’s going to cost to repair. I have to call the police and update the police report. This isn’t the first time these particular neighborhood thugs have taken something that belongs to us, so this time I’m asking for all the law allows. If they can arrest the boy(s) where my son found his bike, that’s what I’ll have them do. If it costs me very much to have the bike repaired, I’m suing the parents for the cost plus legal expenses.

The hot water heater problem is mainly a headache. I have to replace the heat sensor coil for the pilot light. Right now, if you need hot water, you have to light the water heater manually. I have a sensor coil in my tool box. I always keep one on hand because this problem seems to happen on weekend nights, holidays, or when I don’t have time to fool with it. I started being a good scout in this area and I’m always prepared to replace that coil. That’s what I’m planning to do next.

All of my earning efforts suffered this week from all these distractions. I’ve got to get all this stuff dealt with so I can get back to work. I haven’t even printed and mailed invoices for my business this month and I always send those out by the 20th. If I don’t invoice I don’t tend to get paid.

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July 29th, 2007 Posted by joubess | General | 2 comments

IFW Advertiser Scam Update

I wanted to post an update about the debit card scam with an advertiser that I experienced. I was able to get all of the money the advertiser took from my accounts back. EDP cards, (edpreporting.com) took $159.95 out of two of my checking accounts. I disputed those debits and my banks refused the demands on the accounts. The electronic checks were returned unpaid.

However, the debit from my Capital One checking account overdrew the account. Capital One didn’t pay the check because it looked like a fraudulent check, but since it overdrew my account, they charged me $32 for the overdraft. Subsequent to the fraudulent debit, two more legitimate debits came through and Capital One charged me $32 each for those two debits, so now I have NSF charges of $96, right?

Capital One refunded the $32 for the fraudulent debit, but refuses to refund the other $64 because they “can’t be sure I didn’t purposefully continue to overdraft the account”. I’m so mad at them I could spit teeth. The bi-otch assistant manager who refused to refund the extra NSF charges is lucky I’m not a violent person, or she would have been spitting teeth before I left the bank.

I closed all my accounts at Capital One, and I’m going to a different branch Monday to see if I can get someone to be reasonable and refund the $64. Had the fraudulent debit never occurred, my account would not have been overdrawn.

I’m also writing a letter of complaint to someone in charge in this region if I can ever find out who that is. The Capital One webpage doesn’t have a “contact us” link anywhere on it that has an email link or physical address. Nor does it have a complaint resolution link.

I also haven’t been able to complete figuring out how much I’ve made because of all the debits and credits to my accounts. As soon as I come up with a figure, I’ll post it.

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July 29th, 2007 Posted by joubess | General | no comments

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