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Archived from groups: alt.cellular.verizon (More info?)

 

"cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
news:cfj03.1oklpy@nospam.cellphoneforums.net...
>
> "Again- go back to school. The customer is given two options at the
> store-
> use the payment kiosk and pay no fee or go to the counter and pay a
> fee. If
> it were intended as a revenue boost, they would have applied it to the
> kiosk
> or removed the kiosks to force payment at the counter."
>
> Because they haven't done it yet means nothing. It didn't used to cost
> anything to use an ATM (whether your bank or not) but now BOTH banks
> charge(yours and the ATM owner). Is that a deterrent too? I thought
> teller fees were to force people to use ATM machines, and if the
> problem is non-customers, why do BOTH banks charge(again, your bank and
> the ATM owner)? To force you to use your own bank's ATM I guess
> (rrriiigghhtt).

My bank doesn't charge me to use their ATM, and they don't charge me if I
use another bank's ATM. The other bank might charge (depending on the
bank), but there are associated costs with going through the Federal Reserve
system to recover the funds. But you already knew that, being the smart,
educated guy you are.

>It is the EXTRA CASH. Just like the bounced check fee
> which is some 5-10 higher than the actual cost

but greatly outweighted by the amount of bad debt they write off to bounced
chacks that are not recovered on.

> and in the case of
> multiple checks say, many small ones and one large one, the bank will
> pay the large one first to collect as many OD charges as possible.

See my statement above.

> Different industry, same concept. Charge what you can because you
> can.

But your analogies don't apply to the suituation at hand. Banks work as a
network of seperate entites to allow financial transactions to occur from
one to another. You can't walk into a Cingular store to pay your Verizon
bill. And the bounced check fee is in direct response to the customer
violating the TOS for their bank account- their are no TOS issues in this
thread.

>
> "There is no evidence this will occur, and there is no precendent of
> any kind
> to show that any company would walk down that path. A baseless and
> very
> inaccurate claim."
>
> Well, until someone actually does it there will NEVER BE ANY EVIDENCE!

Do you buy your aluminum foil by the case?

> What do you even mean by that statement? Do you believe VZW, or anyone
> else for that matter, is going to send out memo's before they start
> charging?

I'd be pretty confident in saying that the likelihood is high of there being
a notice somewhere on customer's previous bills or a sign in the stores
indicating when the fee would take effect.

>I know companies now that charge you FOR RECEIVING A BILL.

Can you name a few? Maybe a half dozen?

> Isn't that part of the NATURAL cost of selling a product or service?

It used to be- times have changed (I knowit is a hard concept to grasp)>

> And is it not a fact that a business will incur expenses because THAT
> is part of the deal?

Only if you assume that it is a normal cost for that business to incur.
Many companies exist today that have never provided a paper bill as a
standard option to customers. Why can't other companies transition to that
business model?

> If a company charges for a paper bill, as IF
> everyone has a computer with internet access, they will eventually
> charge for any payment method.

Can you please point me to any independent study that says this? I ask,
because you are the only person to say with absolute certainty that this is
going to occur.

>
>
> "And your point is......?"
>
> My point was you can save all that nonsense about revenue recognition
> and when it is earned and blah blah blah. WHEN THE CUSTOMER PAYS
> THEIR BILL, THE COMPANY RECEIVES THE CASH. If the customer does not
> pay, that accounting revenue is irrelevant. So for you to dismiss bill
> payment, just because it is in person, as a burden is silly.

No its not. I've provided facts about associated costs that you choose to
ignore. And knowing that I have worked in the past in the financial area of
a company that processes millions of dollars in monthly payments (and having
to look at the cost efficiency of each payment option), I think I'm
comfortable with my level of knowledge here.

> But if you
> actually owned a business you would find that you would be more than
> happy to have customers actually PAY their bill.

I did own my own business for about 5 years. I received all my payments as
I requested.


> And finally, how long
> does it take to pay a bill

Long enough to lose a sales and the associated future revenue.

>
>
> Anyway, you are hopelessly in love with "business theory" and, as I
> said, will believe any nonsense you are fed by corporations.

Funny- in this entire thread, I have yet to see Verizon feed us any
nonsense. I guess that would mean that I formed my opinion based on
experience andfacts that you are obviously not in possession of. You are
dealing in hypotheticals and I am telling how it is in the real world. If
you choose to ignore it, then must believe any nonsense you are fed by the
anti-business coalition.

Do you clean the toilets where you work? You should if you don't- after
all, it needs to be done and you're already getting paid.

Reply to Anonymous
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Archived from groups: alt.cellular.verizon (More info?)

 

SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>
> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>
>
>>I know companies now that charge you FOR RECEIVING A BILL.
>
> Can you name a few? Maybe a half dozen?

State Farm
Primus telco
Verizon if you want to know about the details of the minutes you paid
for and how they were used.

Reply to Justin
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

you VZW fanboys are hopeless.

completely myopic and blissfully ignorant. defending VZW at any cost, never
to opine against them ever. as long as what VZW does is 'profitable' in the
name of 'capitailism', it's agreeable to you.

you scold any dissent with your pseudo-intellectual mumbo-jumbo - which
clearly has no application in the real world.

if you cant see the greed and lunacy in such a ridiculous fee, its your
loss.





"SS" <nospam1336479852@wopdj.net> wrote in message
news:PL2dnZQQnOwIIOffRVn-sw@adelphia.com...
>
> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>
>> "Again- go back to school. The customer is given two options at the
>> store-
>> use the payment kiosk and pay no fee or go to the counter and pay a
>> fee. If
>> it were intended as a revenue boost, they would have applied it to the
>> kiosk
>> or removed the kiosks to force payment at the counter."
>>
>> Because they haven't done it yet means nothing. It didn't used to cost
>> anything to use an ATM (whether your bank or not) but now BOTH banks
>> charge(yours and the ATM owner). Is that a deterrent too? I thought
>> teller fees were to force people to use ATM machines, and if the
>> problem is non-customers, why do BOTH banks charge(again, your bank and
>> the ATM owner)? To force you to use your own bank's ATM I guess
>> (rrriiigghhtt).
>
> My bank doesn't charge me to use their ATM, and they don't charge me if I
> use another bank's ATM. The other bank might charge (depending on the
> bank), but there are associated costs with going through the Federal
> Reserve
> system to recover the funds. But you already knew that, being the smart,
> educated guy you are.
>
>>It is the EXTRA CASH. Just like the bounced check fee
>> which is some 5-10 higher than the actual cost
>
> but greatly outweighted by the amount of bad debt they write off to
> bounced
> chacks that are not recovered on.
>
>> and in the case of
>> multiple checks say, many small ones and one large one, the bank will
>> pay the large one first to collect as many OD charges as possible.
>
> See my statement above.
>
>> Different industry, same concept. Charge what you can because you
>> can.
>
> But your analogies don't apply to the suituation at hand. Banks work as a
> network of seperate entites to allow financial transactions to occur from
> one to another. You can't walk into a Cingular store to pay your Verizon
> bill. And the bounced check fee is in direct response to the customer
> violating the TOS for their bank account- their are no TOS issues in this
> thread.
>
>>
>> "There is no evidence this will occur, and there is no precendent of
>> any kind
>> to show that any company would walk down that path. A baseless and
>> very
>> inaccurate claim."
>>
>> Well, until someone actually does it there will NEVER BE ANY EVIDENCE!
>
> Do you buy your aluminum foil by the case?
>
>> What do you even mean by that statement? Do you believe VZW, or anyone
>> else for that matter, is going to send out memo's before they start
>> charging?
>
> I'd be pretty confident in saying that the likelihood is high of there
> being
> a notice somewhere on customer's previous bills or a sign in the stores
> indicating when the fee would take effect.
>
>>I know companies now that charge you FOR RECEIVING A BILL.
>
> Can you name a few? Maybe a half dozen?
>
>> Isn't that part of the NATURAL cost of selling a product or service?
>
> It used to be- times have changed (I knowit is a hard concept to grasp)>
>
>> And is it not a fact that a business will incur expenses because THAT
>> is part of the deal?
>
> Only if you assume that it is a normal cost for that business to incur.
> Many companies exist today that have never provided a paper bill as a
> standard option to customers. Why can't other companies transition to
> that
> business model?
>
>> If a company charges for a paper bill, as IF
>> everyone has a computer with internet access, they will eventually
>> charge for any payment method.
>
> Can you please point me to any independent study that says this? I ask,
> because you are the only person to say with absolute certainty that this
> is
> going to occur.
>
>>
>>
>> "And your point is......?"
>>
>> My point was you can save all that nonsense about revenue recognition
>> and when it is earned and blah blah blah. WHEN THE CUSTOMER PAYS
>> THEIR BILL, THE COMPANY RECEIVES THE CASH. If the customer does not
>> pay, that accounting revenue is irrelevant. So for you to dismiss bill
>> payment, just because it is in person, as a burden is silly.
>
> No its not. I've provided facts about associated costs that you choose to
> ignore. And knowing that I have worked in the past in the financial area
> of
> a company that processes millions of dollars in monthly payments (and
> having
> to look at the cost efficiency of each payment option), I think I'm
> comfortable with my level of knowledge here.
>
>> But if you
>> actually owned a business you would find that you would be more than
>> happy to have customers actually PAY their bill.
>
> I did own my own business for about 5 years. I received all my payments
> as
> I requested.
>
>
>> And finally, how long
>> does it take to pay a bill
>
> Long enough to lose a sales and the associated future revenue.
>
>>
>>
>> Anyway, you are hopelessly in love with "business theory" and, as I
>> said, will believe any nonsense you are fed by corporations.
>
> Funny- in this entire thread, I have yet to see Verizon feed us any
> nonsense. I guess that would mean that I formed my opinion based on
> experience andfacts that you are obviously not in possession of. You are
> dealing in hypotheticals and I am telling how it is in the real world. If
> you choose to ignore it, then must believe any nonsense you are fed by the
> anti-business coalition.
>
> Do you clean the toilets where you work? You should if you don't- after
> all, it needs to be done and you're already getting paid.
>
>
>

Reply to Alan

Archived from groups: alt.cellular.verizon (More info?)

 

On Fri, 06 May 2005 01:04:46 GMT, Justin <nospam@insightbb.com> wrote:

>SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>
>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>
>>
>>>I know companies now that charge you FOR RECEIVING A BILL.
>>
>> Can you name a few? Maybe a half dozen?
>
>State Farm

Since when? And under what conditions? State Farm Mutual or State
Farm Fire and Casualty? I've been a SFM customer for over 25 years,
and have never been charged extra to receive a bill.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

"Alan" <test@test.com> wrote in message
news:Przee.2884$5o2.1116@newssvr13.news.prodigy.com...
> you VZW fanboys are hopeless.

But I'm not a fan of Verizon- never have been. Don't have their service and
never would.

>
> completely myopic and blissfully ignorant. defending VZW at any cost,
never
> to opine against them ever.

But I have posted many negatives about Verizon over the last few years. I
guess that would make me much moreobjective than those of you who feel the
need to bash any big company when the situation arises.

>as long as what VZW does is 'profitable' in the
> name of 'capitailism', it's agreeable to you.

Again, you're wrong. Try having a semblence of a clue before responding,
unless you really are thirteen years old as your posts would indicate.

>
> you scold any dissent with your pseudo-intellectual mumbo-jumbo - which
> clearly has no application in the real world.

And your last statememnt translates into, "Please don't use such big words.
It hurts my uneducated brain to try and figure them out."

>
> if you cant see the greed and lunacy in such a ridiculous fee, its your
> loss.

If greed and profit was the motivator, why choose the least used payment
method to charge for? Doesn't seem like a way to make a big profit, and if
they were greedy, they would choose a method used more often. Want to bet
that less than 1% of revenue is collected at a retail store counter?

If you can't see the idiocy of your ranting, its your loss.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

"Justin" <nospam@insightbb.com> wrote in message
news:slrnd7lgle.tu7.nospam@debian.dns2go.com...
> SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
> >
> > "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
> > news:cfj03.1oklpy@nospam.cellphoneforums.net...
> >>
> >
> >>I know companies now that charge you FOR RECEIVING A BILL.
> >
> > Can you name a few? Maybe a half dozen?
>
> State Farm
> Primus telco
> Verizon if you want to know about the details of the minutes you paid
> for and how they were used.
>

You're right- to a degree. The companies charge for a paper bill- they
provide other forms of billing at no charge. Therefore, you can receive a
bill at no charge, contrary to the claim. I'm just playing the "literal
interpretation of the post" game.

Reply to Anonymous
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

SS wrote on [Thu, 5 May 2005 19:33:47 -0600]:
>
> "Justin" <nospam@insightbb.com> wrote in message
> news:slrnd7lgle.tu7.nospam@debian.dns2go.com...
>> SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>> >
>> > "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
>> > news:cfj03.1oklpy@nospam.cellphoneforums.net...
>> >>
>> >
>> >>I know companies now that charge you FOR RECEIVING A BILL.
>> >
>> > Can you name a few? Maybe a half dozen?
>>
>> State Farm
>> Primus telco
>> Verizon if you want to know about the details of the minutes you paid
>> for and how they were used.
>>
>
> You're right- to a degree. The companies charge for a paper bill- they
> provide other forms of billing at no charge. Therefore, you can receive a
> bill at no charge, contrary to the claim. I'm just playing the "literal
> interpretation of the post" game.

True.

Reply to Justin
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

The Ghost of General Lee wrote on [Thu, 05 May 2005 21:23:27 -0400]:
> On Fri, 06 May 2005 01:04:46 GMT, Justin <nospam@insightbb.com> wrote:
>
>>SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>
>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>
>>>
>>>>I know companies now that charge you FOR RECEIVING A BILL.
>>>
>>> Can you name a few? Maybe a half dozen?
>>
>>State Farm
>
> Since when? And under what conditions? State Farm Mutual or State
> Farm Fire and Casualty? I've been a SFM customer for over 25 years,
> and have never been charged extra to receive a bill.

If you want a monthly bill it's $3/mo with State Farm Mutual.

Reply to Justin

Archived from groups: alt.cellular.verizon (More info?)

 

SS wrote:

>>I know companies now that charge you FOR RECEIVING A BILL.
>
> Can you name a few? Maybe a half dozen?

I can name exactly one.

Went to my doctor, forgot the $5 copay. That was Tuesday, planned to come in
Friday, couldn't; called the office manager, was told if we could get the
payment in by Monday afternoon we were fine, otherwise they'd have to bill us
and there would be an additional $10 charge.

Seems kinda steep for a $5 copay, but it's irrelevant since I don't typically
forget to bring in the copay anyhow...

> Do you clean the toilets where you work?

No, he works the fryer...

(I'm sorry, I'm really sorry, but I just COULDN'T resist.)

--
JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

Alan wrote:

> if you cant see the greed and lunacy in such a ridiculous fee, its your
> loss.

Yet you said, in a previous post, that you were okay with the fee.

And *we're* hopeless?


--
JustThe.net - Apple Valley, CA - http://JustThe.net/ - 888.480.4NET (4638)
Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Fri, 06 May 2005 02:01:51 GMT, Justin <nospam@insightbb.com> wrote:

>The Ghost of General Lee wrote on [Thu, 05 May 2005 21:23:27 -0400]:
>> On Fri, 06 May 2005 01:04:46 GMT, Justin <nospam@insightbb.com> wrote:
>>
>>>SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>>
>>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
>>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>>
>>>>
>>>>>I know companies now that charge you FOR RECEIVING A BILL.
>>>>
>>>> Can you name a few? Maybe a half dozen?
>>>
>>>State Farm
>>
>> Since when? And under what conditions? State Farm Mutual or State
>> Farm Fire and Casualty? I've been a SFM customer for over 25 years,
>> and have never been charged extra to receive a bill.
>
>If you want a monthly bill it's $3/mo with State Farm Mutual.

Oh, you mean the charge to get set up with *monthly billing*. This is
not the same as being "charged to receive a bill". You can receive
your bills for free. It just costs you $3/month to break those 6
month premiums into monthly payments.

Reply to Anonymous
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

The Ghost of General Lee wrote on [Fri, 06 May 2005 07:28:59 -0400]:
> On Fri, 06 May 2005 02:01:51 GMT, Justin <nospam@insightbb.com> wrote:
>
>>The Ghost of General Lee wrote on [Thu, 05 May 2005 21:23:27 -0400]:
>>> On Fri, 06 May 2005 01:04:46 GMT, Justin <nospam@insightbb.com> wrote:
>>>
>>>>SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>>>
>>>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net> wrote in message
>>>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>>>
>>>>>
>>>>>>I know companies now that charge you FOR RECEIVING A BILL.
>>>>>
>>>>> Can you name a few? Maybe a half dozen?
>>>>
>>>>State Farm
>>>
>>> Since when? And under what conditions? State Farm Mutual or State
>>> Farm Fire and Casualty? I've been a SFM customer for over 25 years,
>>> and have never been charged extra to receive a bill.
>>
>>If you want a monthly bill it's $3/mo with State Farm Mutual.
>
> Oh, you mean the charge to get set up with *monthly billing*. This is
> not the same as being "charged to receive a bill". You can receive
> your bills for free. It just costs you $3/month to break those 6
> month premiums into monthly payments.

It is the same as "being charged to receive a bill the same way every
other service bills besides insurance".

Reply to Justin

Archived from groups: alt.cellular.verizon (More info?)

 

Justin wrote:
> The Ghost of General Lee wrote on [Fri, 06 May 2005
> 07:28:59 -0400]:
>> On Fri, 06 May 2005 02:01:51 GMT, Justin
>> <nospam@insightbb.com> wrote:
>>
>>> The Ghost of General Lee wrote on [Thu, 05 May 2005
>>> 21:23:27 -0400]:
>>>> On Fri, 06 May 2005 01:04:46 GMT, Justin
>>>> <nospam@insightbb.com> wrote:
>>>>
>>>>> SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>>>>
>>>>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net>
>>>>>> wrote in message
>>>>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>>>>
>>>>>>
>>>>>>> I know companies now that charge you FOR RECEIVING
>>>>>>> A BILL.
>>>>>>
>>>>>> Can you name a few? Maybe a half dozen?
>>>>>
>>>>> State Farm
>>>>
>>>> Since when? And under what conditions? State Farm
>>>> Mutual or State Farm Fire and Casualty? I've been a
>>>> SFM customer for over 25 years, and have never been
>>>> charged extra to receive a bill.
>>>
>>> If you want a monthly bill it's $3/mo with State Farm
>>> Mutual.
>>
>> Oh, you mean the charge to get set up with *monthly
>> billing*. This is not the same as being "charged to
>> receive a bill". You can receive your bills for free.
>> It just costs you $3/month to break those 6 month
>> premiums into monthly payments.
>
> It is the same as "being charged to receive a bill the
> same way every other service bills besides insurance".

Yea right. How about your magazine subscription?
Try paying your property tax monthly.

Is the term on your insurance policy for a single month?
"I'd like to have you bill me for my insurance weekly
please". It's a convenience for those who can't budget,
and it costs.

-Quick

Reply to Anonymous
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

Quick wrote on [Fri, 6 May 2005 10:49:13 -0700]:
> Justin wrote:
>> The Ghost of General Lee wrote on [Fri, 06 May 2005
>> 07:28:59 -0400]:
>>> On Fri, 06 May 2005 02:01:51 GMT, Justin
>>> <nospam@insightbb.com> wrote:
>>>
>>>> The Ghost of General Lee wrote on [Thu, 05 May 2005
>>>> 21:23:27 -0400]:
>>>>> On Fri, 06 May 2005 01:04:46 GMT, Justin
>>>>> <nospam@insightbb.com> wrote:
>>>>>
>>>>>> SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>>>>>
>>>>>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net>
>>>>>>> wrote in message
>>>>>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>>>>>
>>>>>>>
>>>>>>>> I know companies now that charge you FOR RECEIVING
>>>>>>>> A BILL.
>>>>>>>
>>>>>>> Can you name a few? Maybe a half dozen?
>>>>>>
>>>>>> State Farm
>>>>>
>>>>> Since when? And under what conditions? State Farm
>>>>> Mutual or State Farm Fire and Casualty? I've been a
>>>>> SFM customer for over 25 years, and have never been
>>>>> charged extra to receive a bill.
>>>>
>>>> If you want a monthly bill it's $3/mo with State Farm
>>>> Mutual.
>>>
>>> Oh, you mean the charge to get set up with *monthly
>>> billing*. This is not the same as being "charged to
>>> receive a bill". You can receive your bills for free.
>>> It just costs you $3/month to break those 6 month
>>> premiums into monthly payments.
>>
>> It is the same as "being charged to receive a bill the
>> same way every other service bills besides insurance".
>
> Yea right. How about your magazine subscription?
> Try paying your property tax monthly.

Ever heard of an escrow?

Do you pay your water, electric, gas etc. monthly?

> Is the term on your insurance policy for a single month?
> "I'd like to have you bill me for my insurance weekly
> please". It's a convenience for those who can't budget,
> and it costs.

Sure it is.

Reply to Justin

Archived from groups: alt.cellular.verizon (More info?)

 

Justin wrote:
> Quick wrote on [Fri, 6 May 2005 10:49:13 -0700]:
>> Justin wrote:
>>> The Ghost of General Lee wrote on [Fri, 06 May 2005
>>> 07:28:59 -0400]:
>>>> On Fri, 06 May 2005 02:01:51 GMT, Justin
>>>> <nospam@insightbb.com> wrote:
>>>>
>>>>> The Ghost of General Lee wrote on [Thu, 05 May 2005
>>>>> 21:23:27 -0400]:
>>>>>> On Fri, 06 May 2005 01:04:46 GMT, Justin
>>>>>> <nospam@insightbb.com> wrote:
>>>>>>
>>>>>>> SS wrote on [Thu, 5 May 2005 18:44:12 -0600]:
>>>>>>>>
>>>>>>>> "cfj03" <cfj03.1oklpy@nospam.cellphoneforums.net>
>>>>>>>> wrote in message
>>>>>>>> news:cfj03.1oklpy@nospam.cellphoneforums.net...
>>>>>>>>>
>>>>>>>>
>>>>>>>>> I know companies now that charge you FOR RECEIVING
>>>>>>>>> A BILL.
>>>>>>>>
>>>>>>>> Can you name a few? Maybe a half dozen?
>>>>>>>
>>>>>>> State Farm
>>>>>>
>>>>>> Since when? And under what conditions? State Farm
>>>>>> Mutual or State Farm Fire and Casualty? I've been a
>>>>>> SFM customer for over 25 years, and have never been
>>>>>> charged extra to receive a bill.
>>>>>
>>>>> If you want a monthly bill it's $3/mo with State Farm
>>>>> Mutual.
>>>>
>>>> Oh, you mean the charge to get set up with *monthly
>>>> billing*. This is not the same as being "charged to
>>>> receive a bill". You can receive your bills for free.
>>>> It just costs you $3/month to break those 6 month
>>>> premiums into monthly payments.
>>>
>>> It is the same as "being charged to receive a bill the
>>> same way every other service bills besides insurance".
>>
>> Yea right. How about your magazine subscription?
>> Try paying your property tax monthly.
>
> Ever heard of an escrow?

Sure. and they charge for their service.
Bad example anyway. Escrow is setup/required
by the lender so they can get an early warning
that you are going to default on your taxes. They
tack it on to your monthly loan payment so that
if you don't make it they know right away and their
interest is protected.

If your escrow company doesn't make your tax
payment they come after you and not the escrow
company by the way. You could just as well have
your neighbor hold your "monthly" tax payments
and send them to the county when it's due.

> Do you pay your water, electric, gas etc. monthly?

Yes, and it's a monthly term too. You were specifically
talking about a charge to have something that is billed
annually/semi-annually billed monthly instead.

-Quick

>> Is the term on your insurance policy for a single month?
>> "I'd like to have you bill me for my insurance weekly
>> please". It's a convenience for those who can't budget,
>> and it costs.
>
> Sure it is.

Reply to Anonymous
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

Quick wrote on [Fri, 6 May 2005 12:22:31 -0700]:
> Justin wrote:
>> Quick wrote on [Fri, 6 May 2005 10:49:13 -0700]:
>>> Justin wrote:
>>>> The Ghost of General Lee wrote on [Fri, 06 May 2005
>>>> 07:28:59 -0400]:
>>>>> On Fri, 06 May 2005 02:01:51 GMT, Justin
>>>>> <nospam@insightbb.com> wrote:
>>>>>
>>>>>>>> State Farm
>>>>>>>
>>>>>>> Since when? And under what conditions? State Farm
>>>>>>> Mutual or State Farm Fire and Casualty? I've been a
>>>>>>> SFM customer for over 25 years, and have never been
>>>>>>> charged extra to receive a bill.
>>>>>>
>>>>>> If you want a monthly bill it's $3/mo with State Farm
>>>>>> Mutual.
>>>>>
>>>>> Oh, you mean the charge to get set up with *monthly
>>>>> billing*. This is not the same as being "charged to
>>>>> receive a bill". You can receive your bills for free.
>>>>> It just costs you $3/month to break those 6 month
>>>>> premiums into monthly payments.
>>>>
>>>> It is the same as "being charged to receive a bill the
>>>> same way every other service bills besides insurance".
>>>
>>> Yea right. How about your magazine subscription?
>>> Try paying your property tax monthly.
>>
>> Ever heard of an escrow?
>
> Sure. and they charge for their service.
> Bad example anyway. Escrow is setup/required
> by the lender so they can get an early warning
> that you are going to default on your taxes. They
> tack it on to your monthly loan payment so that
> if you don't make it they know right away and their
> interest is protected.
>
> If your escrow company doesn't make your tax
> payment they come after you and not the escrow
> company by the way. You could just as well have
> your neighbor hold your "monthly" tax payments
> and send them to the county when it's due.

It's still being paid monthly by me, and there is no fee on my escrow.

>> Do you pay your water, electric, gas etc. monthly?
>
> Yes, and it's a monthly term too. You were specifically
> talking about a charge to have something that is billed
> annually/semi-annually billed monthly instead.

Actually, I was talking about services to and for the home in
particular.

Reply to Justin

Archived from groups: alt.cellular.verizon (More info?)

 

On Fri, 06 May 2005 14:25:00 GMT, Justin <nospam@insightbb.com> wrote:

>> Oh, you mean the charge to get set up with *monthly billing*. This is
>> not the same as being "charged to receive a bill". You can receive
>> your bills for free. It just costs you $3/month to break those 6
>> month premiums into monthly payments.
>
>It is the same as "being charged to receive a bill the same way every
>other service bills besides insurance".

In the case of State Farm, that statement is complete and utter
bullshit. If you pay your premiums when due (IOW, every six months),
there is no extra charge for receiving a bill. You are being charged
for the privilege of receiving a service over and above your insurance
costs (monthly billing). Or do you not recall the days where monthly
payments with SF wasn't even an option? When you balk at the fee, are
you suggesting my rates should go up just because people
don't/can't/won't pay their full premiums when due? Hell, even when I
was rated as a young driver, I still managed to pay my full premium
amounts when due, and I've always carried full coverage, usually on
two vehicles.

The water system here bills every two months. The sewer system bills
every three months. Go Daddy charges me annually for my domain names.
Should I ask all of them to go to the expense of converting their
billing systems to accommodate a fixation on *monthly* payments? And
if they did, wouldn't it be reasonable for the people who *wanted*
that service to be the ones to *pay* for that service?

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Fri, 06 May 2005 18:04:56 GMT, Justin <nospam@insightbb.com> wrote:

>> Yea right. How about your magazine subscription?
>> Try paying your property tax monthly.
>
>Ever heard of an escrow?

You do realize an escrow account is nothing more than a purpose
specific savings account, don't you? You can set up your own "escrow
account" at any bank for your SF payment, and save the $3 monthly fee.
I was hesitant to be as harsh as Quick, but I believe there's some
truth in his statement that it is a "convenience for those who can't
budget".

>Do you pay your water, electric, gas etc. monthly?

No, yes, yes. See, not *everyone* bills monthly.

>
>> Is the term on your insurance policy for a single month?
>> "I'd like to have you bill me for my insurance weekly
>> please". It's a convenience for those who can't budget,
>> and it costs.
>
>Sure it is.

Sure *what* is? If you mean the term on your SF auto policy is
monthly, then no. It's always six months.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

The Ghost of General Lee wrote:

>>>Oh, you mean the charge to get set up with *monthly billing*. This is
>>>not the same as being "charged to receive a bill". You can receive
>>>your bills for free. It just costs you $3/month to break those 6
>>>month premiums into monthly payments.
>>
>>It is the same as "being charged to receive a bill the same way every
>>other service bills besides insurance".
>
> In the case of State Farm, that statement is complete and utter
> bullshit. If you pay your premiums when due (IOW, every six months),
> there is no extra charge for receiving a bill. You are being charged
> for the privilege of receiving a service over and above your insurance
> costs (monthly billing).

What it is, is a finance charge. You're paying interest because you are not
paying the balance off all at once.

Former State Farm customer (and would still be one if they weren't so expensive
in California); been there, done that, threw away several T-shirts.

--
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Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

The Ghost of General Lee wrote:

> Sure *what* is? If you mean the term on your SF auto policy is
> monthly, then no. It's always six months.

The premium is billed out on a six-month or twelve-month basis with most
American auto insurance carriers, if I'm not mistaken. I know our current
insurance does that too. You are billed $X for Y months of coverage and
generally have the option of paying up front or making installment payments.
Sometimes they're monthly; other times they're not; for example, our Mercury
Insurance six-month premium gets paid in five installments, and we pay nothing
during the last month the policy is in force.

--
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Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Wed, 04 May 2005 14:29:10 -0700, Steve Sobol wrote:

>> If I have to pay my bill PLUS $2 to pay by cash, then VZW is acting improperly
>
>If that's true, why haven't payment fees levied by VZW as well as other
>companies inside and outside the cellular industry been challenged in court?

As to VZW, I only heard of this charge within the last week. As I stated in an earlier message, I would expect it to be challenged in a class-action suit if the report was accurate.

As to others, the only example which I've seen given is banks with deposits. But that's a different situation. The customer is not a debtor paying off an obligation; to the contrary, he is a person asking the bank to become obligated to make subsequent payment as he directs. I think if you look closely, you'll see that those banks that impose charges do so only on deposits and not on payments of credit cards, etc. Note also that when you go to a teller to make payment, it is usually with a check so that the USCode does not apply.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Wed, 04 May 2005 14:27:55 -0700, Steve Sobol wrote:

>Doesn't "a tender of the money" imply that the money was actually given to a
>person or a machine for the purpose of making payment?

Yes, but...

I go up to the counter, put $40 on the counter (or whatever my bill is) and am told that's $2 extra for human intervention. I refuse to pay the $2 and drop $40 (or whatever) on the floor.

I tendered the correct amount. VZW can not charge me extra for tendering cash.

NOTE: I am assuming that the payment machine does not accept cash (and I don't believe it does --- the ones I've seen only appear to have a slot credit cards). If the machine does accept cash and the service rep tells me that I should go to the machine to avoid the $2 fee, then I'd say I'm out the $40 I left for an improper tender.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Wed, 04 May 2005 15:31:25 -0400, Isaiah Beard wrote:

>Actually, the whole point is that you don't HAVE to pay a fee. Use the
>kiosk, pay online, or send a check in the mail, and you don't pay the fee.

Paying online or sending a check in the mail requires that one have a checking account or pay a fee for a money order or similar instrument.

Paying at a kiosk might or might not have the same problem.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

"Philip R. Mann" <prmlaw@NOSPAMnyc.rr.com> wrote in message
news:cezynjalpeepbz.ig3g130.pminews@news.individual.net...
> On Wed, 04 May 2005 14:27:55 -0700, Steve Sobol wrote:
>
> >Doesn't "a tender of the money" imply that the money was actually given
to a
> >person or a machine for the purpose of making payment?
>
> Yes, but...
>
> I go up to the counter, put $40 on the counter (or whatever my bill is)
and am told that's $2 extra for human intervention. I refuse to pay the $2
and drop $40 (or whatever) on the floor.
>
> I tendered the correct amount. VZW can not charge me extra for tendering
cash.
>

Actually, the only argument in this case is that VZW can not charge more
for paying cash at the counter than any other form of payment, and because
this fee applies to all payments tendered at the counter they would not be
subject to any type of legal scrutiny. The argument would also be made that
the customer has other options to convert their cash payment into another
form and remit payment without the charge from VZW. Earlier in the thread,
I bet that less than 1% of VZW revenue is collected at a retail counter.
Want to try and figure out how much of that <1% is paid in cash? In the
case of refusing to pay the $2 charge and dropping your money on the floor,
if they do post the money to your account, what's to prevent them from
charging the $2 fee to your account? Or prevent them from posting anything
to your account?

If you're that willing to literally throw away your cash, I can give you the
address of a couple of stores that would love to have you stop by.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

Let me conclude by saying this: price elasticity. IF VZW wanted to
DISCOURAGE the practice of paying at the counter, they should apply a
fee of $4, $5 or even $10. That might anger people, but it is less
than paying $150 to cancel and, given other options, most would just
pay at the kiosk, online, etc. Two dollars is low enough so that MOST
consumers will NOT MIND and NOT switch to the kiosk.
Products are priced to maximize profit and deterrents are priced to
STOP a habit. It is my humble opinion, that $2 is not high enough to
be a deterrent, but significant enough to provide a slush fund of
revenue and I believe the LATTER is VZW's purpose.


--
cfj03
------------------------------------------------------------------------
Cell Phone Forums: http://cellphoneforums.net
View this thread: http://cellphoneforums.net/t174353.html

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

"cfj03" <cfj03.1ookry@nospam.cellphoneforums.net> wrote in message
news:cfj03.1ookry@nospam.cellphoneforums.net...
>
> Let me conclude by saying this: price elasticity. IF VZW wanted to
> DISCOURAGE the practice of paying at the counter, they should apply a
> fee of $4, $5 or even $10. That might anger people, but it is less
> than paying $150 to cancel and, given other options, most would just
> pay at the kiosk, online, etc. Two dollars is low enough so that MOST
> consumers will NOT MIND and NOT switch to the kiosk.
> Products are priced to maximize profit and deterrents are priced to
> STOP a habit. It is my humble opinion, that $2 is not high enough to
> be a deterrent, but significant enough to provide a slush fund of
> revenue and I believe the LATTER is VZW's purpose.
>
>
> --

I'm sure the extra couple of thousand dollars a quarter collected by the
Company will make or break the balance sheet.

Reply to Anonymous
- 0 +

Archived from groups: alt.cellular.verizon (More info?)

 

It wont make or break a balance sheet, but any profit is profit. Wouldn't
you say? Isn't that the thesis of almost each and every defense of such a
fee? Aren't we always reminded/scolded/reminded VZW is in business to make a
profit?

When a new fee is invented out of thin air, its a welcome ADDITION to the
bottom line - no matter how insignificant.

Its a new revenue stream. Its found money.


"SS" <nospam1336479852@wopdj.net> wrote in message
news:Za6dnSzZkYcq9-DfRVn-3Q@adelphia.com...
>
> "cfj03" <cfj03.1ookry@nospam.cellphoneforums.net> wrote in message
> news:cfj03.1ookry@nospam.cellphoneforums.net...
>>
>> Let me conclude by saying this: price elasticity. IF VZW wanted to
>> DISCOURAGE the practice of paying at the counter, they should apply a
>> fee of $4, $5 or even $10. That might anger people, but it is less
>> than paying $150 to cancel and, given other options, most would just
>> pay at the kiosk, online, etc. Two dollars is low enough so that MOST
>> consumers will NOT MIND and NOT switch to the kiosk.
>> Products are priced to maximize profit and deterrents are priced to
>> STOP a habit. It is my humble opinion, that $2 is not high enough to
>> be a deterrent, but significant enough to provide a slush fund of
>> revenue and I believe the LATTER is VZW's purpose.
>>
>>
>> --
>
> I'm sure the extra couple of thousand dollars a quarter collected by the
> Company will make or break the balance sheet.
>
>

Reply to Alan

Archived from groups: alt.cellular.verizon (More info?)

 

"Alan" <test@test.com> wrote in message
news:niefe.14240$J12.6477@newssvr14.news.prodigy.com...
> It wont make or break a balance sheet, but any profit is profit. Wouldn't
> you say? Isn't that the thesis of almost each and every defense of such a
> fee?

Absolutely correct- ALMOST every defense of a fee. In this case, the fee
is intended not to serve as a revenue stream, but to discourage the use of
retail store counters for payment.

>Aren't we always reminded/scolded/reminded VZW is in business to make a
> profit?

Yes, and its so sad that basic business has to be explained to you so many
times.

>
> When a new fee is invented out of thin air, its a welcome ADDITION to the
> bottom line - no matter how insignificant.

Assuming that the new fee actually pays for itself. Want to bet that these
types of payments decrease by over half by the end of the year?

>
> Its a new revenue stream. Its found money.
>
>

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Archived from groups: alt.cellular.verizon (More info?)

 

Philip R. Mann wrote:

> I go up to the counter, put $40 on the counter (or whatever my bill is) and am told that's
> $2 extra for human intervention. I refuse to pay the $2 and drop $40 (or whatever) on the floor.
> I tendered the correct amount. VZW can not charge me extra for tendering cash.

OK; you may be correct according to a strict interpretation of the UCC or other
related laws. I'll concede that.

However, if they don't process the payment because no one realizes the money
was dropped on the floor, if they come after you and you end up in court, I
think the chances of a judge ruling in your favor are very slim.

Who's to say someone didn't walk off with the money after you dropped it? How
can you prove they got the money?

> NOTE: I am assuming that the payment machine does not accept cash (and I don't believe it does

The one at my local VZW store does, if I'm not mistaken. I can double-check for
you... Or I can email the phone number to you and you can call them yourself...

--
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Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

Philip R. Mann wrote:
> On Wed, 04 May 2005 14:27:55 -0700, Steve Sobol wrote:
>
>
>>Doesn't "a tender of the money" imply that the money was actually given to a
>>person or a machine for the purpose of making payment?
>
>
> Yes, but...
>
> I go up to the counter, put $40 on the counter (or whatever my bill is) and
> am told that's $2 extra for human intervention.
> I refuse to pay the $2 and drop $40 (or whatever) on the floor.
> I tendered the correct amount. VZW can not charge me extra for tendering cash.

Actually, they would be within their rights to charge you a late fee
PLUS the balance because technically, you tendered nothing. All you did
was drop some money on the floor. When you do that, it's just dropped
money, and anyone who picks it up other than you and does anything other
than return it to you, or turn the money into the police is stealing it.

> NOTE: I am assuming that the payment machine does not accept cash

You assume wrong. The ones I've seen take cash.




--
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Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

cfj03 wrote:
> Let me conclude by saying this: price elasticity. IF VZW wanted to
> DISCOURAGE the practice of paying at the counter, they should apply a
> fee of $4, $5 or even $10. That might anger people, but it is less
> than paying $150 to cancel and, given other options, most would just
> pay at the kiosk, online, etc. Two dollars is low enough so that MOST
> consumers will NOT MIND and NOT switch to the kiosk.

Then that's entirely their prerogative to pay those $2.00, while those
of any real sense know that it's far easier and saves more money (in gas
and time as well as the $2 fee) to use the payment methods available to
them that don't even require that you set foot in a VZW store.

I'm a Sprint customer. Sprint's had a fee for in-person payments for
years. Yet, ever since being a customer since 1998, I've only set foot
in a store to make a payment ONCE, just because I was curious about the
payment machine and wanted to know how it worked. I was of course,
disappointed; the process is very routine and mundane and offered
absolutely no advantages at all. So, I went back to paying via the
website. I can do it from home, work, or anywhere my laptop finds a
wireless data signal, and that's way better for me than having to find a
store to pay on site.

It seems to me Verizon figured the additional cost to handle payments in
person is around $2.00. If a person is willing to make up for that
cost, then Verizon will gladly let them make the payment that way. If
not, there's the automated methods.


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Reply to Anonymous

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Alan wrote:
> It wont make or break a balance sheet, but any profit is profit. Wouldn't
> you say?

Yes, but it's not guaranteed profit. No one is pointing a gun to your
head and forcing you to pay the fee and pay in person. In fact, it
seems like the only reason you're hot and bothered about this is that
you attach some romanticism or nastalgia to paper money AND in person
service, and are demanding both. Well, you can have both, if you
choose; you simply have to compensate VZW for the extra cost of giving
you that service.

Of course, you COULD just pay online or at the payment machine. If
everyone did that, then VZW would get zero "profit" from the fee. And
then you could thumb your nose and say "Take that VZW!"


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Isaiah Beard wrote:

>> NOTE: I am assuming that the payment machine does not accept cash
>
> You assume wrong. The ones I've seen take cash.

I've said that a couple times, Phillip. Now that someone else has also said it,
will you believe me? I've actually used the payment machine at the Victorville
VZW store.

So there *is* a way to pay cash and not pay the fee, which blows your whole
theory out of the water.

Besides, the Victorville store can get rather busy at times and I can't
understand why someone wouldn't just rather pay at the terminal.

--
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Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

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On Sun, 01 May 2005 16:15:20 -0700, Steve Sobol <sjsobol@JustThe.net>
wrote:
>Uh, Sprint does the same thing.
>
>Sprint doesn't charge you if you pay in the store at the payment machine, only
>if you talk to a human to pay, and our VZW store here has a payment machine and
>I bet they have the same policy.

I refused to pay it and they backed down each time. I gave them a
check for the amount of the bill and they said "yes sir".

Just say no. Customers don't grow on trees you know. Hardly any
company has so many customers they can treat people like that. Not
that they won't try. I have some friends who would pay it. But I
won't.

Just say no. "I won't pay"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

Steevo@my-deja.com wrote:

> I refused to pay it and they backed down each time. I gave them a
> check for the amount of the bill and they said "yes sir".

Why even bother with a rep when you can generally pay at the machine much more
quickly? IMHO, it's easier to pay that way. The Rancho Cucamonga Sprint store
(the one closest to my house) has three machines, so your wait for a machine
(if any) is minimal.

Not that I have any problems with talking to a human, but it's not the most
efficient way to pay.

> Just say no. "I won't pay"

I don't pay. ;) In the unlikely event that I pay at the store, I put the money
into the payment machine, but more often we'll pay by calling *3 or making a
payment at sprintpcs.com.


--
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Steven J. Sobol, Geek In Charge / sjsobol@JustThe.net / PGP: 0xE3AE35ED

"The wisdom of a fool won't set you free"
--New Order, "Bizarre Love Triangle"

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

I have never paid in a store. I did the *3 thing for a few months a
few years ago then, I set up the automatic payment thing from my Visa
Check Card. No problems, and it has been years.

Reply to Anonymous

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Jerome Zelinske <jeromez1@earthlink.net> wrote in
news:6lhde.2879$HL2.678@newsread3.news.pas.earthlink.net:

> A local Credit Union branch has no tellers, only an atm. The two
> people who work there, are jvst for opening vp new accovnts etc.
>

Transactions in any bank where yov interact with anything bvt a live person
never happened when yov take it to covrt. Using a live teller means yov
can svbpoena her ass and have her charged if she refvses or lies to
hizzoner. A piece of thermal paper yov can hardly read next month is
vseless.

Another item of interest is "Check 21", the banking indvstries latest trick
made possible when all the checks backed vp after 9/11 when the planes were
grovnded. Banks avtomatically signed yov all vp for a new bvzzword called
"volvntary check trvncation", where yov got a pictvre of the front of the
checks, 6 or 8 to a page, withovt showing yov the BACK of the checks to
show hizzoner yov actvally paid Verizon, or any other crooks', bills.
Totally vseless in a dispvte....the check got sent to the shredder
trvck...it never happened, either. NOW, yov need to call yovr bank and
demand, permitted by FEDERAL LAW that created Check 21 Scam in the first
place, another new bvzzword "Svbstitvte Checks", which I pay $2/mo to get
on all my checks. Svbstitvte Checks IS, by Federal Law, PROOF in
hizzoner's covrt that yov paid the slimy SOB that screwed vp and cvt yov
off. Check 21 is qvite a neat scam. Many people don't know how close the
banking system, that depended on airplanes to deliver checks to pay, came
to complete collapse right after 9/11. I read over $950B backed vp in a
covple of days....

Keeping CASH never looked smarter.....

Best webpage on Check 21:
http://www.cons&#118;mers&#118;nio [...] ar1002.htm

Other information:
http://www.federalreserve.gov/paym [...] n/faqs.htm
http://www.ffiec.gov/exam/check21/defavlt.htm
http://www.snopes.com/bvsiness/bank/check21.asp
http://www.bankrate.com/brm/news/chk/20040924a1.asp

By the way, I stopped Alltel from seizing my check, doing a temporary
electronic fvnds transfer straight ovt of my accovnt and shredding my only
payment docvment that meant anything...my cancelled check. It was a
tvssle, bvt IT'S THE LAW! Yov CAN force Verizon to send yovr check back to
yovr bank and NOT allow them to force an electronics fvnd transfer...(c;

It's bad enovgh trying to get a cellvlar company to pvt a call throvgh on
their OWN eqvipment. Do yov REALLY want them to hook their screwed-vp
compvters TO YOUR BANK ACCOUNT?!!

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

Larry W4CSC wrote:
>
> Transactions in any bank where you interact with anything
> but a live person never happened

> ....the check got sent to the shredder truck...it never
> happened, either.

> Check 21 Scam
> "Substitute Checks"
> complete collapse

> IT'S THE LAW!

> their screwed-up computers

I guess the Black Helicopters now have an interest
in my $39.99 monthly cell bill. Thanks for letting me
know that with a few countless hours of research, a
couple of appeals to a federal court, or few written
notifications to the proper places, and I can force the
evil empire to return the exact same, canceled, paper
check that I submitted for payment. It will come in
handy when I take them to court for that $5 late fee.

-Quick

-Quick

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Mon, 23 May 2005 13:14:49 -0400, Larry W4CSC <noone@home.com>
wrote:

>Transactions in any bank where you interact with anything but a live person
>never happened when you take it to court. Using a live teller means you
>can subpoena her ass and have her charged if she refuses or lies to
>hizzoner. A piece of thermal paper you can hardly read next month is
>useless.

What ATM's do you use that use thermal paper? Every one I use still
uses dot matrix printers. POS terminals are generally a different
story, though. If your ATM records coincide with your bank
statements, you really won't need to subpoena anyone. A subpoena
duces tectum for their records in lieu of a personal appearance, other
than maybe the person responsible maintaining those records, should be
more than adequate.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

On Mon, 23 May 2005 13:14:49 -0400, Larry W4CSC <noone@home.com> wrote:
>[snip]
>"voluntary check truncation", where you got a picture of the front of the
>checks, 6 or 8 to a page, without showing you the BACK of the checks to
>show hizzoner you actually paid Verizon, or any other crooks', bills.
>Totally useless in a dispute....the check got sent to the shredder
>[snip]

I use my bank's online banking. In every single case where the payment
recipient didn't credit my account properly, I made a quick phone call to
the bank and they contacted the other party and resolved the issue
quickly. In fact, it was faster and easier than faxing or mailing a copy
of the check to them.

And for the few checks that I do write, I still get an online copy of the
front AND BACK of the check.

Oh, and the reason my payments didn't make it was because the payment
mailing address or the account number had changed and I didn't update the
online banking system. So the bank fixed my mistakes with no fuss nor
muss.

Reply to Anonymous

Archived from groups: alt.cellular.verizon (More info?)

 

hihihi

Reply to Anonymous
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