Sprint PCS Billing Idiocy
Mirell_2
I have had a very trying time with Sprint PCS, since acquiring service
on the 15th. What follows is a letter I intend to send on Monday:
I have become a recent Sprint PCS Customer by the date of April 15th,
2003. Due to the nature of my credit history, as was stated by your
representatives on the phone, I was told I would have to pay a $125
deposit. Attempting to avoid this, as I do not prefer having money
which is not earning interest sitting there, I had the account placed
under my father’s name, Dale ****. Since I will be paying the bill, we
wanted separate bills, as he also a day later applied for an account.
We were told that he cannot have two separate accounts under the same
name, nor can you have two separate bills mailed to two separate
addresses, nor can you have a second copy automatically sent, although
I was told that you can go in and manually send a second copy to a
different address. I was told repeatedly by customer service
representatives that we could use the online function of the Sprint PCS
website, but this does not suit our purposes of wanting a paper receipt
for services rendered. Since a few days later, both my grandparents and
mother wanted phones for themselves, and wanted to switch to Sprint, my
father and I decided it would be best to attempt to split the accounts.
Both my mother and grandfather were told they had insufficient credit
despite paying for house mortgages, several loans in the past, and
various other deposits they have initiated. They have not, though, ever
had a credit card. They do not believe in such devices, and therefore I
believe they were turned down for any sort of credit. I was told that
we would need a $125 deposit. I wanted 3 phones on the account, and was
told that the $125 deposit would only allow one phone. So I said what
if we paid multiple deposits, giving the company $375. I was told this
was not accepted either. I also inquired as to paying the 2 year
contract outright, totaling around $2,400, since I would also get a
more expensive service plan, and I would also buy two additional
phones. I was told this was not allowed either. So since I could not
receive these, what I considered simple requests, I declined to give
Sprint PCS more business, as a higher rated plan, and additional phones
would not help me without service to them. So I write this letter to
question the reasons why your company won’t allow me to give you more
money. Thank you for your time.
--
Mark Miller
spri...@ayukawa.org
--
Posted at www.SprintUsers.com - Your place for everything Sprint PCS
Tex
> question the reasons why your company won't allow me to give you more
> money. Thank you for your time.
Simple. They dont want to lose money.
While a credit report may not be a perfect tool for portraying an
individual's ability to repay a debt, it's the best most businesses can do
in such circumstances. Go against the credit report, and the business takes
on a serious risk. Paying for the base service fees up front does not
constitute mitigating all risks. The customer could still easily rack up
huge charges in overtime minutes or roaming minutes....potentially never to
be paid by the customer.
Extrapolating from their distaste for credit cards, they will also not like
cell phones, since essentially SPCS (or most other cell carriers for that
matter) is granting them a unlimited level of credit (by allowing them to
make unlimited phone calls) which they will have to pay back (possibly with
interest) at some near point in the future.
- tex
Mirell_2
They don't want to lose money by me paying multiple amounts of deposits,
ensuring them against any liability, and also the offer to pay them the
entire contract, so how in the world could they lose money?
Also, another one of your points:
"Extrapolating from their distaste for credit cards, they will also not
like
cell phones, since essentially SPCS (or most other cell carriers for
that
matter) is granting them a unlimited level of credit (by allowing them
to
make unlimited phone calls) which they will have to pay back (possibly
with
interest) at some near point in the future."
Sure, maybe if you're on crack. That's basically like saying they also
can't have electricity to their houses. That grants them UNLIMITED
amounts of credit to own electricity. Nor can they have water service
to their house, since that also grants them unlimited amount of credit.
Forgive me, but I feel that those who don't like credit cards do not
always fall into this category, unless you're a hermit and eat red
squirrels. Then you wouldn't have a cell phone anyway.
But how do they lose money if I pay them what they might lose, and then
they could invest that money and earn interest? And also, your comments
fail to address even the point about the fact they can't seperate
billing addresses, nor even send a duplicate bill to a seperate
address.
Arthur Dent
"Mirell_2" <Guest...@invalid.com> wrote in message
news:Guest...@invalid.com...
>
> I have had a very trying time with Sprint PCS, since acquiring service
> on the 15th. What follows is a letter I intend to send on Monday:
>
> I have become a recent Sprint PCS Customer by the date of April 15th,
> 2003.
--snip--
> So since I could not
> receive these, what I considered simple requests, I declined to give
> Sprint PCS more business, as a higher rated plan, and additional phones
> would not help me without service to them. So I write this letter to
> question the reasons why your company won't allow me to give you more
> money. Thank you for your time.
>
Nice letter, but it will not likely get you anywhere. SPCS has set up
buisiness guidelines and they are take em or leave em to the consumer. You
have many more choices when it comes to cellular service and I'd suggest
checking out other providers in the area with mobile to mobile deals. Not
all companies score credit the same so deposit amounts (if required) and
allowed lines of service will vary company to company.
You ask why SPCS will not let you have more than one line, prepay 2yrs of
service, etc. SPCS has most likely thought of this and while you may have
the best of intentions, SPCS has decided to conduct its business in a
different manner. You're best bet is to get out while you still can if you
can find what you want while you're in the 14 day return policy. If you do
find something better, then you're only out the activation fees for the PCS
numbers you currently have.
Mirell_2
I appreciate your reply, but other than this one little issue, I think
Sprint PCS has the best deals, I like Sprint and their service, and am
fully satisfied except for this one issue.
But I would like to draw a note to one comment, though, "SPCS has
decided to conduct its business in a different manner". I just don't
see the business logic in that manner for when a customer wants to pay
more money. I'm sorry, it may be short-sighted of me, but if someone
wants to give me lots of money, I regularly go with what they say, if
it's within the limits of what can be done.
--
Mark Miller
spri...@ayukawa.org
Nehmo Sergheyev
> essentially SPCS (or most other cell carriers for that
> matter) is granting them a unlimited level of credit (by allowing them to
> make unlimited phone calls)
Nehmo
I don't know what arrangement you have, but I have a credit limit of $125.
If my call charges exceed that amount, Sprint turns off my phone. It gets my
attention, and I go to the Sprint store and feed the machine.
--
*******************
* Nehmo Sergheyev *
*******************
http://home.kc.rr.com/missouri/Susan_Talks.htm
Bob Smith
you won't get any direct feedback from SPCS here. Opinions from other users,
yes ... but no official reply.
From all your comments below, it appears that neither you, your mother or
your grandparents would not qualify for anything but pre-pay, and that your
father is the only one qualified to carry a standard plan. If his credit
history can pass muster, then, here's a suggestion, without trying to
separate out all the billings between parties. Have him cancel this one plan
you signed up for. Then have him sign up for a family plan of $100, which
provides 2000 AT minutes and which includes 2 phones. Then add three more
phones to the account. Total cost would be $160/mo. plus tax, and before the
expense of phones.
Then, you and your grandparents pay him back on a monthly basis, on what
ever deal on reimbursement you agree to.
Bob
"Mirell_2" <Guest...@invalid.com> wrote in message
news:Guest...@invalid.com...
>
Mirell_2
Would defeat the entire purpose of the plan I am attempting to do, since
between us we would use a great amount of minutes, while with just him
on one plan, and myself, grandparents, and mother on a different one,
the minutes would work out nicely.
Yes, I had already thought of this, thank you though for trying to
help..
And yes, I know it's not an official forum, but I am attempting to
further the knowledge of Sprint PCS's billing inaneness. This is not
the first time I've encountered it. Nor the second, Or even the third.
SAA
get an account, *BUT* you are willing to deposit $2,400 to pay two
years of service up front. I don't see the any logic in this.
On Sat, 19 Apr 2003 21:26:57 -0700, Mirell_2 <Guest...@invalid.com>
wrote:
sheureka
Mirell_2 wrote:
> *And yes, I know it's not an official forum, but I am attempting to
> further the knowledge of Sprint PCS's billing inaneness. This is not
> the first time I've encountered it. Nor the second, Or even the
So this is your fourth time with Sprint and you're having problems
getting credit from them? Gee, I wonder how that could possibly happen?
I think it's probably time you tried scamming some other phone company.
- sheureka
Mirell_2
I was perfectly happy to deposit $125 to get an account, if they would
allow me multiple phones. This they do not due, nor do they let me have
multiple deposits. Perhaps reading my initial post would help.
And in terms of scamming Sprint PCS, I said my encounter with their
billing system. The first was with my roomate, who signed up for
Sprint. The second was with her Aunt, and the third was another friend
of mine. Perhaps you shouldn't be so quick to your conclusions.
--
Mark Miller
spri...@ayukawa.org
Eric
It sounds like you have the best intentions of being a good and loyal
customer for Sprint PCS... but in past history, Sprint has been known to
provide phones and plans to higher credit risk people (via their current
Clear Pay and now-defunct Account Spending Limit). Generally speaking,
Sprint has had a high turnover rate and non-paying customers because
their credit standards were low.
You may just be signing up at a bad time to hope for all of these things
as Sprint has recently stepped up its credit qualifications in the past
few months. Sprint had grown tired of being one of the easiest
companies to score acceptable credit with, and has tightened the reigns.
This goes for people with bad credit, and people with no credit (such as
having no credit cards). Its sad, but true.
One of my friends (who is 33 and married) tried signing up with Verizon
and they wanted something like a $200 deposit, simply because the guy
had no credit cards - despite him paying off student loans and a
mortgage, etc. On the other hand, another friend signed up with Sprint
and she was approved at the highest level -- where she is allowed to
have up to five lines on her account -- and she's only 21, but has three
credit cards with no late/non-payment history whatsoever.
I know none of what I am saying is particularly helpful, and from what
you have said, you sound like you have every good intention at heart.
But from a business standpoint, Sprint has been burned so much in the
past, that it goes along with the "one bad apple spoiles the whole
barrel". Offering to prepay a year or so of service may seem like a
good possibility to you, but on Sprint's end, there's no gaurentee that
the customer won't go over his allotted minutes in any given month, use
expensive roaming, use the wireless web endlessly... there are so many
things that can be tacked onto a bill besides the regular monthly
charges... and this is probably why a pre-payment option is not
available.
As with what a fellow poster said on here, I would try to go with other
carriers to see what they can offer you as many do have a 14-day free
trial. And I wish you good luck, my friend.
Eric
joe daddy
that credit restrictions have become more prevelant with sprint. a $125
deposit today may have been $0 deposit 3 months ago, but the restriction
of one line would still have been there. youre trying to do something
that simply isnt possible. if youre only approved for one line, its
cut-and-dry and not depateable, that means you can only have one
line...no matter how much you think whatever company cares that you paid
your electric bill on time last month. you dont get a deposit for no
reason, theres history behind it. all that sprint does is enter your
info and then they get a rating back from the credit bureaus (in this
case, the number of lines and amount of deposit - which you only get if
youre only allowed one line). and the setting up two accounts thing?
thats fradulent...no one person can have two accounts in their name
unless one is a business and one is a personal.
it also seems that money isnt really a burning issue here. if thats the
case, get your grandparents two accounts, put down the $125 on each and
have them start building credit. never too late to start, right? :)
Joe
Mirell_2 <Guest...@invalid.com> wrote in article
<Guest...@invalid.com>:
>
> I was perfectly happy to deposit $125 to get an account, if they would
> allow me multiple phones. This they do not due, nor do they let me have
> multiple deposits. Perhaps reading my initial post would help.
>
> And in terms of scamming Sprint PCS, I said my encounter with their
> billing system. The first was with my roomate, who signed up for
> Sprint. The second was with her Aunt, and the third was another friend
> of mine. Perhaps you shouldn't be so quick to your conclusions.
>
> --
> Mark Miller
> spri...@ayukawa.org
[posted via phonescoop.com - free web access to the alt.cellular groups]
Mirell_2
Fraudalent to have two accounts under the same name? I fail to see that,
as both Alltel and Cingular had a nonissue with it. Well, they
initially wanted to ask why, but after that, no problems.
And in terms of getting them the phones, that would still not
accomplish the goal of having one shared plan. And yes, it is too late
for them to build credit, because it would do them shitloads of good.
They have the house paid for, all cards, plenty of money in the bank,
and a MetroCheck Visa, which isn't a credit card per se, but allows the
usage of a Visa.
Not to attempt to be rude to your post, at least it was an attempt of
help, which I appreciate, but it seemed rather flawed. I still have not
seen a proven case where it is not possible for them to accept more
money. Sorry.
And Eric, thanks for the post, at least it's the first knowledgable one
I've seen. Better than the "policys" or "phones are credit cards"
--
Mark Miller
spri...@ayukawa.org
joe daddy
a sprint thing, its a YOU or YOUR GRANDPARENTS thing. its all based on
how the credit bureaus see you. dont fault a company for watching their
ass bc you and your grandparents have yet to have proven credit. its
not a matter of how much you own. if i pay everything with cash, i
still have no credit, even though i pay things on time, have a checking
account, and tousands to spend.
but heres what im asking: if you simply go to the nextel forum, youll
see that theyre talkin about $1000 deposits...i know people that work at
verizon and US Cell and they have deposits up to $1000 as well (and some
crazy ass people are willing to put that down). im going to guarantee
that sprint is the lowest deposit you will find for bad or no
credit...the most they will ever give is $250 (and thats for people with
horendous credit or for new businesses under their tax ID). im 22 and
allowed up to 5 lines on my account and i still dont have a single
credit card. a debit card is the only 'card' i use...so, if your
grandparents use theirs enough, it shouldnt be a problem...but if they
leave the house once a year, that might be.
and to answer your two account idea not being fradulent...imagine having
two accounts, paying them both off, no problem. but lets say you want
to just let one of them go...and not pay it (for whatever reason). you
still have that other account that youre paying on without paying on the
one thats being neglected. thats the fradulent part (sprint doesnt know
that you have two accounts unless you tell them or they look things up
by your social (which they dont)).
i understand youre trying to show that youll hold up your end of the
bargain, but you cant expect a company to throw their policies away
based on your word and lack of credit.
Joe
Mirell_2 <Guest...@invalid.com> wrote in article
<Guest...@invalid.com>:
>
> Fraudalent to have two accounts under the same name? I fail to see that,
> as both Alltel and Cingular had a nonissue with it. Well, they
> initially wanted to ask why, but after that, no problems.
>
> And in terms of getting them the phones, that would still not
> accomplish the goal of having one shared plan. And yes, it is too late
> for them to build credit, because it would do them shitloads of good.
> They have the house paid for, all cards, plenty of money in the bank,
> and a MetroCheck Visa, which isn't a credit card per se, but allows the
> usage of a Visa.
>
> Not to attempt to be rude to your post, at least it was an attempt of
> help, which I appreciate, but it seemed rather flawed. I still have not
> seen a proven case where it is not possible for them to accept more
> money. Sorry.
>
> And Eric, thanks for the post, at least it's the first knowledgable one
> I've seen. Better than the "policys" or "phones are credit cards"
[posted via phonescoop.com - free web access to the alt.cellular groups]
Strych9
See my reply to the same question in this thread...
http://www.sprintusers.com/forum/showthread.php?s=&threadid=13740&pagenumber=2
john_smith
wrote:
> Due to the nature of my credit history, ......
Are you just a slow-pay or do you have debts that a creditor has
actually written off?
Mirell_2
"Are you just a slow-pay or do you have debts that a creditor has
actually written off?"
I have little to no credit CARD history.
"dont fault a company for watching their
ass bc you and your grandparents have yet to have proven credit."
They've proven credit, fine and well, thankyouverymuch. Sprint system
obviously uses credit CARD history to determine credit. Because my dad
has INCREDIBLE amounts of debt on his credit cards. Yet he pays them on
time, has even his car loan on his credit card. But my grandparents
have NO debt, but don't use credit cards.
"but heres what im asking: if you simply go to the nextel forum, youll
see that theyre talkin about $1000 deposits"
Yes, that would probably be Verizon Wireless, the company that didn't
want a deposit from me when I called them up a few days ago? But they
don't offer service in the areas I'll be traveling a lot to, so it's a
non-option.
"so, if your grandparents use theirs enough, it shouldnt be a
problem...but if they leave the house once a year, that might be."
It's a MetroCheck Visa. I doubt that will truly help their credit CARD
history.
and to answer your two account idea not being fradulent...imagine
having
two accounts, paying them both off, no problem. but lets say you want
to just let one of them go...and not pay it (for whatever reason). you
still have that other account that youre paying on without paying on
the
one thats being neglected. thats the fradulent part (sprint doesnt
know
that you have two accounts unless you tell them or they look things up
by your social (which they dont)).
Ummm................yes, they would, because I would go, "Hey, I want
two accounts under the same name, yes, this person is liable for both".
Thankyouverymuchthinkalittlebitmorebefore you post.
"i understand youre trying to show that youll hold up your end of the
bargain, but you cant expect a company to throw their policies away
based on your word and lack of credit."
Money. I'm giving them money. I expect a little legroom when I give
lots of money. Sorry, I forgot that companies aren't influenced by
MONEY anymore.
--
Mark Miller
spri...@ayukawa.org
Bob Smith
in the crapper... and your grandparents isn't that much better. Best to do
is to go with another provider, and let them take the risk ...
Bob
"Mirell_2" <Guest...@invalid.com> wrote in message
news:Guest...@invalid.com...
>
joe daddy
accounts bc they wont let you (no matter how many times you say 'my dumb
ass wants to be liable for two accounts'). and youre not dealing with a
mom and pop store here where a little extra money may get you special
favors. youre dealing with a huge corporation. so, unless you talk to
the pres of sprint and he cares to take care of you directly, go take
your money and buy a house to build that stellar credit of yours. cause
your money and 'legroom' means nothing to that sprint rep who has no
control or influence over the policies that youre trying to bypass.
and thats just for you,
Joe
thats the fradulent part (sprint doesnt
> know
> that you have two accounts unless you tell them or they look things up
> by your social (which they dont)).
>
> Ummm................yes, they would, because I would go, "Hey, I want
> two accounts under the same name, yes, this person is liable for both".
> Thankyouverymuchthinkalittlebitmorebefore you post.
>
> "i understand youre trying to show that youll hold up your end of the
> bargain, but you cant expect a company to throw their policies away
> based on your word and lack of credit."
>
> Money. I'm giving them money. I expect a little legroom when I give
> lots of money. Sorry, I forgot that companies aren't influenced by
> MONEY anymore.
[posted via phonescoop.com - free web access to the alt.cellular groups]
Steven J. Sobol
>
> "Are you just a slow-pay or do you have debts that a creditor has
> actually written off?"
>
> I have little to no credit CARD history.
So what? Any big company that you borrow money from will report you to
the credit bureau. Banks that you get car loans from... cellular
companies... lots of companies.
> "dont fault a company for watching their
> ass bc you and your grandparents have yet to have proven credit."
>
> They've proven credit, fine and well, thankyouverymuch. Sprint system
> obviously uses credit CARD history to determine credit.
Right, and you have figured this out how? Do you know something that
we don't?
--
Steve Sobol/CTO/JustThe.net LLC/Mentor On The Lake (Cleveland), OH/888.480.4NET
"This country has a strong ethical foundation, but... I hesitate to say that
erosion has set in, but it is clear that more and more of what we are is being
built on sand and not on that foundation." - G. Waleed Kavalec, in SPAM-L
Mirell
> What don't you understand from the prior posts Mark? Your credit
> history is
> in the crapper... and your grandparents isn't that much better. Best
> to do
> is to go with another provider, and let them take the risk ...
*WHAT IS THE RISK HERE I AM TRYING TO UNDERSTAND.* If I pay them the
deposit, that ensures that I won't acquire another cell phone next
month, open up another account, and start over, without every paying
them. They have the deposit, if I go over the amount of the deposit,
they shut off the phone. So the services are paid for, they lose no
money. What RISK is there?
Also, my "credit history" as you say is NOT in the crapper. In the
CRAPPER is negative credit history. I, myself, have LITTLE credit
history, not NEGATIVE credit history. My grandparents and mother have
LITTLE to GOOD credit history. They were able to qualify for house and
car loans fairly well, thankyouverymuch. Cars ease the ability to take
them away and never pay the money. I think it's inherent in the design
of mobility and facilitating such mobility in them.
Mirell
> Right, and you have figured this out how? Do you know something that
> we don't?
I asked them, and have determine it based on the results I have seen
with other people applying for Sprint PCS phones.
> are you a complete moron?
Must you be so asinine in your responses?
> you cant get two
> accounts bc they wont let you (no matter how many times you say 'my
> dumb
> ass wants to be liable for two accounts')
Don't believe I said, *-my dumb ass-*. If I did, please enlighten me,
as I would like to note these cases of non-recollection.
> nd youre not dealing with a
> mom and pop store here where a little extra money may get you
> special
> favors
I'm not asking for extra favors. And I'm sorry, but I don't consider
$2.5K a *-little extra money-*
> go take
> your money and buy a house to build that stellar credit of yours
I am paying on a house, 3 story, 2.5 baths, 3 bedrooms, 2100 square
feet. Nice neighborhood too.
> cause
> your money and 'legroom' means nothing to that sprint rep who has no
> control or influence over the policies that youre trying to bypass.
Perhaps not the main one, but I would believe a supervisor or some such
authority figure would have a little legroom. And also, the policies
are idiotic, insane, et cetera, whatever you may wish to call them in
whichever deragatory tense you wish to phrase.
> So what? Any big company that you borrow money from will report you
> to
> the credit bureau. Banks that you get car loans from... cellular
> companies... lots of companies.
Do people make a habit of not reading? Yes, I know that. I have also
stated multiple times that I have a house, car loans, et cetera. Sprint
is obviously not satisfied with this, with whichever inane policies
they have.
Steven J. Sobol
> *WHAT IS THE RISK HERE I AM TRYING TO UNDERSTAND.* If I pay them the
> deposit, that ensures that I won't acquire another cell phone next
> month, open up another account, and start over, without every paying
> them. They have the deposit, if I go over the amount of the deposit,
> they shut off the phone.
And if you don't pay the difference, they've still lost money.
> Also, my "credit history" as you say is NOT in the crapper. In the
> CRAPPER is negative credit history. I, myself, have LITTLE credit
> history, not NEGATIVE credit history.
What you fail to understand, and this might be a result of not having
and using credit, is that no credit is usually not much better than
having bad credit. In such a case you may want to see if you can build
up your credit score first, by getting a credit card like a student
card or one with a higher-than-normal APR that caters to people who
need to build a credit history. Watch out - there are a buttload of
scams out there. My suggestion? Visit http://www.OrchardBank.com and
apply for one of their cards. Although they issue cards to people who
are subpar credit risks, they don't actively try to screw you out of
every nickel and dime like most other subpar lenders like Providian
and other banks do.
Their customer service is actually really, really good... I've carried
an OB Mastercard for a few years now and they take care of me quite
well, thanks. I'm in the process of rebuilding my credit, myself, and
the Orchard Bank card is the only account I've kept open as I work on
paying off a bunch of old debts I have from a few years ago.
Steven J. Sobol
>> Right, and you have figured this out how? Do you know something that
>> we don't?
>
> I asked them, and have determine it based on the results I have seen
> with other people applying for Sprint PCS phones.
First off, please attribute your posts correctly. I wrote the quote
above, but not anything below, and you're making it seem like the same
person wrote everything. Second, *I* have been told by Sprint PCS
employees that your _credit score_ is what counts. Not just the
revolving balances, the credit score as a whole.
Mirell
> And if you don't pay the difference, they've still lost money.
>
No...I pay a $375 deposit. I rack up $375 in charges in one month,
phone goes off. I fail to see a "difference" to pay off here.
> What you fail to understand, and this might be a result of not having
> and using credit, is that no credit is usually not much better than
> having bad credit.
I may have little to no credit, yes. My mother and grandparents I fail
to see how they could not, and have successful gotten several loans for
houses and cars in the past.
Thank you for your suggestion with the credit card though, but I do
have one credit card, a Discover, but have only had it for a few
months.
> First off, please attribute your posts correctly. I wrote the quote
> above, but not anything below, and you're making it seem like the
> same
> person wrote everything.
Forgive me for not properly attributing posts. That was due in my part
to laziness in not typing out the individuals name. I was just
responding as whole.
> Second, *I* have been told by Sprint PCS employees that your _credit
> score_ is what counts. Not just the
> revolving balances, the credit score as a whole.
Yes, I understand that. I question the credit history check Sprint
uses, as Bank of America, Metropolitan National Bank, et cetera. Which
the entire credit check is something I went to secondary, I just wanted
a duplicate bill sent to a seperate address in the beginning, was even
willing to pay for it.
Lawrence G. Mayka
news:ijGoa.34721$4P1.3...@newsread2.prod.itd.earthlink.net...
> What don't you understand from the prior posts Mark? Your credit history is
> in the crapper... and your grandparents isn't that much better. Best to do
> is to go with another provider, and let them take the risk ...
You apparently haven't read Mark's posts carefully.
The bottom line is that Sprint's more prosperous competitors, like Verizon, are
quite willing to extend credit to Mark and/or his mother and grandfather. Their
credit is fine in everyone's eyes but Sprint's. Sprint, which was once too
credit-easy in comparison to its more prosperous competitors, is now apparently
uncompetitively credit-tight.
The obvious point for everyone to remember is that, from all that we've seen,
the only language that Sprint understands is money and subscribership. Sprint
corrected its too-easy credit only when its subscribership dropped and its money
hemorrhage increased. Similarly, Sprint will only correct its too-tight credit
if/when its losses mount and its subscribership drops (in absolute terms or at
least in market share).
Steven J. Sobol
> No...I pay a $375 deposit. I rack up $375 in charges in one month,
> phone goes off. I fail to see a "difference" to pay off here.
OK - that wasn't what it sounded like, I might have made a mistake.
>> What you fail to understand, and this might be a result of not having
>> and using credit, is that no credit is usually not much better than
>> having bad credit.
>
> I may have little to no credit, yes. My mother and grandparents I fail
> to see how they could not, and have successful gotten several loans for
> houses and cars in the past.
>
> Thank you for your suggestion with the credit card though, but I do
> have one credit card, a Discover, but have only had it for a few
> months.
Your best bet isn't to rely on others, but to work on building a good
credit history. I know that's not the answer you wanted. I do believe
it's the way to go though.
> Yes, I understand that. I question the credit history check Sprint
> uses, as Bank of America, Metropolitan National Bank, et cetera. Which
> the entire credit check is something I went to secondary, I just wanted
> a duplicate bill sent to a seperate address in the beginning, was even
> willing to pay for it.
You realize that there are three big credit bureaus, right?
joe daddy
diff carriers, sprint has had the lowest deposit of all of the major
carriers. i had a friend go to US Cell...$500, verizon...$250,
cingular...$200, and sprint...$125. my friend ended up going to sprint
for that reason. i highly doubt that if sprint is giving mr mark a $125
deposit, verizon (being higher in every case ive ever known) would have
0 deposit. not only that...but he said his specific reasoning for not
going with them is bc they dont have coverage in the places hes
going...and with all the money hes talking about, im sure he wouldnt
mind paying for the plans they offer where roaming is included (verizon
has the biggest and most reliable network, according to them, right?).
my point? i think youre naive in thinking that his reasoning for not
going to verizon is truthful.
Joe
> You apparently haven't read Mark's posts carefully.
>
> The bottom line is that Sprint's more prosperous competitors, like Verizon, are
> quite willing to extend credit to Mark and/or his mother and grandfather. Their
> credit is fine in everyone's eyes but Sprint's. Sprint, which was once too
> credit-easy in comparison to its more prosperous competitors, is now apparently
> uncompetitively credit-tight.
>
> The obvious point for everyone to remember is that, from all that we've seen,
> the only language that Sprint understands is money and subscribership. Sprint
> corrected its too-easy credit only when its subscribership dropped and its money
> hemorrhage increased. Similarly, Sprint will only correct its too-tight credit
> if/when its losses mount and its subscribership drops (in absolute terms or at
> least in market share).
[posted via phonescoop.com - free web access to the alt.cellular groups]
Mirell
> i highly doubt that if sprint is giving mr mark a $125 deposit,
> verizon (being higher in every case ive ever known) would have 0
> deposit.
I am not going to give you my SSN and address, so basically you would
have to trust my words.
> but he said his specific reasoning for not going with them is bc they
> dont have coverage in the places hes
> going
Enter Zip Code 72211, 72212, 72223, or 72209. All within the Little
Rock Metropolitan area. They don't have a Non-Roaming plan there. And I
would believe their No Charge for Roaming is also similar as Sprint's,
where a majority of the calls need to be made within the Verizon/Sprint
service area.
> i think youre naive in thinking that his reasoning for not
> going to verizon is truthful.
I live in Little Rock, AR. Perhaps you have not seen my profile, which
also states this? I don't really feel like attempting to prove it any
farther, since it's not really an issue to me whether or not people
believe where I live.
Leisa
> ensuring them against any liability, and also the offer to pay them the
> entire contract, so how in the world could they lose money?
>
>
They can lose money by you giving them $650 in deposit and cancellation fees
up front, then running up a bill higher than $650 and never paying it.
If you don't like the company's policies, go elsewhere. However, keep in
mind that there are only 3 credit reporting bureaus. All wireless companies
(except prepaid) run credit checks through one of these bureaus, and will
get back the same info Sprint did. I believe you will find that if Sprint is
asking for a $125 deposit, Verizon, ATT, et al, will want a $750 deposit.
That's always been my experience, anyway.
Leisa
Jeff Wilhelm
> want a deposit from me when I called them up a few days ago? But they
> don't offer service in the areas I'll be traveling a lot to, so it's a
> non-option.
Where does Verizon not have coverage, but Sprint does? This is not meant to
bash Sprint, or promote Verizon (I am very happy with Sprint) but it seems
to me that Verizon has a pretty good coverage area...
Jeff
Leisa
"Mirell" <Mirell...@invalid.com> wrote in message
news:Mirell...@invalid.com...
>
> > And if you don't pay the difference, they've still lost money.
> >
>
> No...I pay a $375 deposit. I rack up $375 in charges in one month,
> phone goes off. I fail to see a "difference" to pay off here.
>
They have that, it's called Clear Pay. You have a $125 spending limit, you
get to $125.01, phone goes off until you make a payment. They have already
set you up on that plan as evidenced by the $125 deposit. But Clear Pay is
limited to 1 line, period. You want 3 lines, you get 3 accounts in 3
people's names. You can't share the minutes. Get the unlimited PCS to PCS
and talk to each other all you want without worrying about using the plan
minutes.
This isn't Burger King, you can't have it your way. It's Sprint PCS, not
Mark Miller PCS. You aren't special, you don't get to design your own credit
limits. You can throw all the money in the world at them, but it won't
matter. They aren't going to change just for your sweet self. They have
researched these things and have determined that for them, Clear Pay is the
best option at this time. Again I say, if you don't like it, ATT, Verizon,
Nextel, Cingular, and T-Mobile are right down the road. If you like Sprint's
plans and coverage, then you take what they offer when it comes to credit
limits, deposits, and accounts. Otherwise, leave.
Leisa
Mirell
> You can throw all the money in the world at them, but it won't
> matter.
I believe this is the problem I was pointing out, as in a capitalist
society, as my Sociology and Economics class have taught me, "money
makes the world go round". And also, I believe your statement is
flawed. Because I could throw them $80 Billion dollars and buy their
company, and then they would do what I want. But, I can't.
> They aren't going to change just for your sweet self.
Perhaps they should, as I believe this is a business practice that is
flawed.
> They have
> researched these things and have determined that for them, Clear Pay
> is the best option at this time.
Nothing wrong with Clear Pay, other than they won't let me deposit
more.
> gain I say, if you don't like it, ATT, Verizon, Nextel, Cingular, and
> T-Mobile are right down the road.
T-Mobile, never heard of them. Verizon, doesn't cover Arkansas in this
coverage area. Cingular I was previously on, ATT previously as well,
and Nextel has really SH*Tty deals. And * I HAVE NOTHING AT ALL WRONG
WITH SPRINT * but this one issue. That's all.
> If you like Sprint's
> plans and coverage, then you take what they offer when it comes to
> credit
> limits, deposits, and accounts. Otherwise, leave. Must you be so asinine.
> They can lose money by you giving them $650 in deposit and
> cancellation fees up front, then running up a bill higher than $650
> and never paying it.
Buuuut....
> They have that, it's called Clear Pay. You have a $125 spending limit,
> you get to $125.01, phone goes off until you make a payment.
Thank you for responding to your own question, Leisa.
> However, keep in
> mind that there are only 3 credit reporting bureaus. All wireless
> companies
> (except prepaid) run credit checks through one of these bureaus, and
> will
> get back the same info Sprint did.
I seriously doubt this. An Equifax report for a business costs about $1
per report. Sprint cannot possibly to afford to run this for every
customer who asks every time. So no, I believe Sprint get different
info, since neither Cingular nor Alltel nor ATT had an issue with my
credit.
> I believe you will find that if Sprint is
> asking for a $125 deposit, Verizon, ATT, et al, will want a $750
> deposit.
> That's always been my experience, anyway.
Nope.
Now for a more friendly statement:
> Where does Verizon not have coverage, but Sprint does? This is not
> meant to
> bash Sprint, or promote Verizon (I am very happy with Sprint) but it
> seems
> to me that Verizon has a pretty good coverage area...
Verizon has "roaming" coverage in Arkansas, but they don't have it as a
Home Area, which it is for me. So then I believe they also have a
policy where %50 or so of your minutes must be within a home coverage
area.
Joe M
<Mirell...@invalid.com> wrote:
Mark,
If your mortgage or car loan company offered cell phone service, you
would be set. Then again, since they can't repo air time once it is
used, perhaps not.
Look, the problem is you are looking at this all wrong. Your
intentions, your ability to pay, your offer to prepay a 2-year
agreement... none of it matters.
Sprint, like every large corporation, has policies. These policies
govern how they deal with customers, how they extend credit, how they
structure their pricing and service offerings.
What it I go to Sprint and ask to buy a 565 minute/month plan? They
won't let me - not even if I offer to pay the 1000 minute per month
price.
It's not that they don't want the money. Just that they have probably
decided that it is not cost effective (for Sprint) to offer custom
plans to every customer.
You want two different accounts under one name? You want to prepay the
agreement? Well, if they let you do it they have to let _everyone_ do
it. Extra cost for Sprint to keep track of these various custom billing
arrangements - not to mention the potential for abuse it opens up (as
others have pointed out in this thread.)
Here's one reason for not offering a pre-pay 2-year deal... once they
take your money, it could be argued that they have then agreed to offer
you the service for 2-years. What if you start racking up extra charges
and not paying? If they turn off your phone, you could sue them for
breach and demand a refund (maybe even demand an "early termination
fee"). I guarantee you would win this (getting a refund for unused
months), while Sprint is still out the "disputed" amount you didn't
pay. Chasing you down to get it back would be a separate fight.
Not saying you would do this. This is just one potential abuse that
many would glady exploit.
Credit history? Sprint has to have a _uniform_ policy regarding this,
applied equally to all applicants. They are looking at your credit
report and considering how likely _most_ people with this history are
to not only pay, but pay on time. It is not personal. It's just their
policy for everyone with the same credit stats and whatefver else they
use to determine these things. (note that you don't really know how
they make their final determination. Everything posted in this thread
on that has been pure speculation, as no company I know of makes their
credit determination procedure public. Making this information public
is just asking for people to abuse the system.)
They have made the choice to base their credit decisions on certain
factors. This does not have to make sense or be fair. It only has to
comply with government regs and be applied fairly to all who apply.
You have the choice to use another carrier, or no carrier at all. Keep
in mind, however, when you continue to use Sprint (as you indicated in
a previous post) you are supporting their policies. You can complain
here, and write them all the letters you want. In the end, all they
will hear is the "ch-ching" of your money in their pocket as you
continue to use their service.
It ain't right or wrong - just the way it is.
--Joe
Mirell
> What it I go to Sprint and ask to buy a 565 minute/month plan? They
> won't let me - not even if I offer to pay the 1000 minute per month
> price.
That's just silly, and no one would ask for it.
> It's not that they don't want the money. Just that they have probably
> decided that it is not cost effective (for Sprint) to offer custom
> plans to every customer.
It's not a custom plan. It's something that I would think inherently
obvious to do.
> You want two different accounts under one name? You want to prepay the
> agreement?
No, I merely wanted just a duplicate bill at first. Then I just wanted
a seperate account, with 3 phones with a deposit. Then I offered to pay
multiple deposits. Then I offered to pay the entire 2 years. I went
from simple to complex.
> Here's one reason for not offering a pre-pay 2-year deal...
I don't want to pre-pay the 2 year deal. I just merely offered it to
see if they would even accept that, as it was a last ditch effort.
> They have made the choice to base their credit decisions on certain
> factors. This does not have to make sense or be fair. It only has to
> comply with government regs and be applied fairly to all who apply.
From alt.cellular.sprintpcs:
> Sprint uses a company called Lightbridge to perform their credit
> checks. Lightbridge gets their data from a few other credit sources.
> Lightbridge
> does not give Sprint dealers a report or even a credit rating number.
> All
> they give Sprint dealers is a result stated as: 0 Deposit, 5 Lines or
> $125
> deposit required, 1 Line etc. etc. Nextel uses Lightbridge
> as well.
> I deal in Sprint PCS, Nextel, Cellular One, and Verizon. Cell One
> and
> Verizon have entirely different protocols.
Not verified totally yet, but am calling Sprint PCS up currently.
Bob Smith
"Lawrence G. Mayka" <lgmay...@ameritech.net> wrote in message
news:ChIoa.2087$%_3.16...@newssrv26.news.prodigy.com...
> "Bob Smith" <usirsclt...@earthlink.net> wrote in message
> news:ijGoa.34721$4P1.3...@newsread2.prod.itd.earthlink.net...
> > What don't you understand from the prior posts Mark? Your credit history
is
> > in the crapper... and your grandparents isn't that much better. Best to
do
> > is to go with another provider, and let them take the risk ...
>
> You apparently haven't read Mark's posts carefully.
Oh I read his prior posts. He doesn't have a credit history per se ...
What I don't understand here, is that everyone here who has replied has
basically said the same thing, and ole Mark either doesn't want to
understand or accept it.
Bob
Michael Novich
but having friends in the credit card processing business, I'll tell you
one of the major reasons Sprint and every other phone carrier wants a
major credit card on file.
When you sign their contract, you give them authorization to chrage that
card if you ever don't pay. They probably check routinely to make sure
the card is current. Once you've authorized them to do so by signing
their contract, they are GUARANTEED to get paid no matter what you do.
If you go bankrupt, they get paid and the CREDIT CARD COMPANY comes
after you. Credit card companies such as Visa/MC (from what I'm told)
have the legal ability to contact your employer and take the money they
are entitled to out of your paycheck before you even get to see your
paycheck. This is the insurance the credit card companies need.
The cell phone companies and other companies who prefer or demand credit
cards simply want to outsource their collection operations. They try to
provide other ways for people who don't qualify for credit cards to use
their service, but just as credit card companies try to mitigate their
risk by keeping your credit limit confined, so to, the phone company
will do the same thing with you.
Yeah, it sucks to not be able to get exactly what you want, but Sprint
isn't going to care about your particular situation as it is very much
out of the ordinary. Their potential liability is far greater than the
potential benefit.
Good luck,
Michael
Mirell
> What I don't understand here, is that everyone here who has replied
> has
> basically said the same thing, and ole Mark either doesn't want to
> understand or accept it.
Right.
1) Money doesn't matter to companies
2) I'm a depressed person who takes Paxil
3) Having two different accounts in ANY company is fraudulent.
Let me update my notes.
Steven J. Sobol
Sprint, I believe, has better coverage in parts of MN and WI.
Steven J. Sobol
>
>> You can throw all the money in the world at them, but it won't
>> matter.
>
> I believe this is the problem I was pointing out, as in a capitalist
> society, as my Sociology and Economics class have taught me, "money
> makes the world go round".
Continuing to argue won't change a thing. You're wasting keystrokes.
> flawed. Because I could throw them $80 Billion dollars and buy their
> company, and then they would do what I want. But, I can't.
And guess what, if you had the money, you still might not be able to
buy the company; it's up to the shareholders whether they want to sell
it.
You have a naive, simplistic view of the Way Things Work.
>> However, keep in
>> mind that there are only 3 credit reporting bureaus. All wireless
>> companies
>> (except prepaid) run credit checks through one of these bureaus, and
>> will
>> get back the same info Sprint did.
>
> I seriously doubt this. An Equifax report for a business costs about $1
> per report. Sprint cannot possibly to afford to run this for every
> customer who asks every time.
I think you're wrong about that. FIrst off, you're already paying a
$35 activation fee. Second, it probably ends up saving them money on
lots of customers that they decide *not* to extend credit to.
All of the carriers do credit checks.
Steven J. Sobol
>
>> What I don't understand here, is that everyone here who has replied
>> has
>> basically said the same thing, and ole Mark either doesn't want to
>> understand or accept it.
>
> Right.
Well, you're going to have to deal with it. Sorry.
Mirell
> When you sign their contract, you give them authorization to chrage
> that
> card if you ever don't pay.
To charge any card? Which card?
> Once you've authorized them to do so by signing their contract, they
> are GUARANTEED to get paid no matter what you do.
Yes, I have a credit card.
> Credit card companies such as Visa/MC (from what I'm told)
> have the legal ability to contact your employer and take the money
> they
> are entitled to out of your paycheck before you even get to see your
> paycheck. This is the insurance the credit card companies need.
Acceptable.
> Yeah, it sucks to not be able to get exactly what you want, but
> Sprint
> isn't going to care about your particular situation as it is very
> much
> out of the ordinary. Their potential liability is far greater than
> the
> potential benefit.
WHAT LIABILITY. People keep quoting they're too liable, what liability
am I paying a deposit? And how is not using credit cards that often
that much out of the ordinary?
> Well, you're going to have to deal with it. Sorry.
Delt. Done. Ace of Spades, for the Mister.
> Continuing to argue won't change a thing. You're wasting keystrokes.
You keep replying.
> And guess what, if you had the money, you still might not be able to
> buy the company; it's up to the shareholders whether they want to
> sell
> it.
That's merely a sidenote, and with an unlimited supply of money, I
could obviously do whatever I wanted. Don't try to nitpick the
nitpicking of a gross understatement.
> I think you're wrong about that. FIrst off, you're already paying a
> $35 activation fee. Second, it probably ends up saving them money on
> lots of customers that they decide *not* to extend credit to.
No, I wouldn't pay a $35 activation fee, the Retention department has
been glad in wanting to waive that. And I offered to pay multiple
deposits.
> All of the carriers do credit checks.
Yes, but Sprint PCS Corporation outsources their credit reports from
Lightbridge (1-800-881-8036), and Lightbridge reports to Sprint PCS
whether 5 Phones, No Deposit, or 1 Phone, Deposit. Lightbridge
outsources their data from Experian solely, as was explained to me by
the CSR.
Steven J. Sobol
>
>> When you sign their contract, you give them authorization to chrage
>> that
>> card if you ever don't pay.
>
> To charge any card? Which card?
Whichever card you give them, if that's what you agreed to.
And you're right, I keep replying. I shouldn't. This will be my last
post on the subject, especially since I find your habit of putting
lots of posts together in your followup with no attributions
completely irritating. Good luck.
Tex
big phone bills. Sprint (and other carriers) can limit your account. There
are even prepaid calling plans. Perhaps this is what would make the most
sense for Mirell_2.
"Nehmo Sergheyev" <neh...@hotmail.com> wrote in message
news:PEtoa.9609$YE2.2...@twister.rdc-kc.rr.com...
> Tex
> > essentially SPCS (or most other cell carriers for that
> > matter) is granting them a unlimited level of credit (by allowing them
to
> > make unlimited phone calls)
>
> Nehmo
> I don't know what arrangement you have, but I have a credit limit of $125.
> If my call charges exceed that amount, Sprint turns off my phone. It gets
my
> attention, and I go to the Sprint store and feed the machine.
>
Mirell
> And you're right, I keep replying. I shouldn't. This will be my last
> post on the subject, especially since I find your habit of putting
> lots of posts together in your followup with no attributions
> completely irritating. Good luck.
Ah well.
> Whichever card you give them, if that's what you agreed to.
Offered them the Discover as a deposit as well, no go.
P Howard
customer that will rack up hundreds of dollars in charges and never pay
their bill.
The credit check is a worthwhile investment, however what you'll find is
that the different carriers are differently strict with what type of
customer they will activate for a required security deposit, and how
much that security deposit will be. Sprint PCS and T-Mobile are known
for being more lax in their policies, mostly because their focus has
been on 6 digit activation numbers each quarter, not positive cash flow
like Cingular and Verizon, and to some extent AT&T Wireless are more
interested in...
--
Verizon customer/ formerly Cingular user/ formerly Sprint PCS user
"Steven J. Sobol" <sjs...@JustThe.net> wrote in article
<slrnba7nq4....@amethyst.nstc.com>:
[posted via phonescoop.com - free web access to the alt.cellular groups]
Mirell
> There are even prepaid calling plans. Perhaps this is what would make
> the most sense for Mirell_2.
Not really, no.
Jeff Wilhelm
Jeff
"Steven J. Sobol" <sjs...@JustThe.net> wrote in message
news:slrnba7nkr....@amethyst.nstc.com...
Steven J. Sobol
> Oh, ok! Thanks Steven, I didn't know that!
You're welcome. Verizon isn't perfect everywhere, any more than any
other carrier is. In the midwest they still have some big holes,
although all of the largest cities are covered.
Lawrence G. Mayka
news:va7mlp2...@corp.supernews.com...
> When you sign their contract, you give them authorization to chrage that
> card if you ever don't pay. They probably check routinely to make sure
Does Sprint demand a credit card to establish service now, and keep it current?
Sprint has never asked for one from me.
> after you. Credit card companies such as Visa/MC (from what I'm told)
> have the legal ability to contact your employer and take the money they
> are entitled to out of your paycheck before you even get to see your
> paycheck. This is the insurance the credit card companies need.
I sincerely doubt that credit card companies have some magic legal ability to
garnish wages without a court order. No other creditor has such a right, as far
as I know. Even child support, the most common reason for garnishment, requires
an order from the divorce court, again AFAIK.
Perhaps you are referring to individually liable corporate accounts--i.e.,
accounts established under the banner of a corporation's large employee base.
The employee ordinarily pays his own bill; but I could imagine that the
corporation guarantees to Sprint that if the employee fails to pay, the employer
will garnish wages as necessary to collect.
Mirell
> Does Sprint demand a credit card to establish service now, and keep it
> current? Sprint has never asked for one from me.
No, I wish they did, and didn't worry about the credit check as much.
> I sincerely doubt that credit card companies have some magic legal
> ability to garnish wages without a court order.
Indeed.
ZJ Driver
"Mirell" <Mirell...@invalid.com> wrote in message
news:Mirell...@invalid.com...
>
> > And if you don't pay the difference, they've still lost money.
> >
>
> No...I pay a $375 deposit. I rack up $375 in charges in one month,
> phone goes off. I fail to see a "difference" to pay off here.
>
> > and using credit, is that no credit is usually not much better than
> > having bad credit.
>
> I may have little to no credit, yes. My mother and grandparents I fail
> to see how they could not, and have successful gotten several loans for
> houses and cars in the past.
It's quite simple...it's the difference between secured and unsecured debt.
With a mortgage they come get the house, they get their money no problem.
Car, similar unless the financing was so bad that you're completely upside
down.
Air time...oops. I'd like to see a lien on time......
Michael Novich
unless its been removed in recent years, it was within their power to do
so.
Also, I know that verizon DOES require a major credit card to sign up
for service and they take an IMPRINT of your card which is legally as
good as the card I believe.
-Michael
"Lawrence G. Mayka" <lgmay...@ameritech.net> wrote in article
<8SYoa.2260$%_3.17...@newssrv26.news.prodigy.com>:
[posted via phonescoop.com - free web access to the alt.cellular groups]
Rod
"Michael Novich" <man23@columbia_no_spam.edu> wrote in message
news:va99fj1...@corp.supernews.com...
Dr Wakk
i cant bLEEEEVE how long this thread is and that it leads to
here.............
"Rod" <wyl...@hotmail.com> wrote in message
news:b82efr$5ic6q$1...@ID-57098.news.dfncis.de...
Mirell
> troll city.......i cant bLEEEEVE how long this thread is and that it
> leads to
> here.............
Yep Yep.
spcsuser
Ok...I got tired of reading and probably more than confused on half of
this stuff...But I guess I'll add my 2 cents. First off, while your
points may definitly make sense, even in a business perspective, Sprint
has the set of policies that they will not budge on. I believe you
said it as dumb (not exactly in those words), which maybe true, but
unfortunately there's nothing we can do.
Second...I think you mentioned that your dad could get multiple lines
correct? So why doesn't he set it up so that he has a plan for himself
and then get a second plan that's shared for everyone else. I think
that's what you're trying to do. I know if your're approved for
multiple lines, while you can't have 2 accounts you can have separate
plans. It will go all on one bill and you guys can split up the
payments however you wish. If you guys have a visa check card, then
you can each log on and pay your half of the bill. Does that make any
sense? I'm not sure that's what you're tyring to do or not, but it
seems like the closest solution if you want to stay with sprint.
Mirell
> Second...I think you mentioned that your dad could get multiple lines
> correct? So why doesn't he set it up so that he has a plan for
> himself and then get a second plan that's shared for everyone else. I
> think that's what you're trying to do. I know if your're approved for
> multiple lines, while you can't have 2 accounts you can have separate
> plans. It will go all on one bill and you guys can split up the
> payments however you wish. If you guys have a visa check card, then
> you can each log on and pay your half of the bill. Does that make any
> sense? I'm not sure that's what you're tyring to do or not, but it
> seems like the closest solution if you want to stay with sprint.
Something similar to that might end up being done, but just the fact
that's the ONLY way it can be done, is annoying..
Thanks for trying to help, by the way.
Michael Novich
or any court officer to write up a form/etc but everything has
paperwork. Beyond that, there doesn't need to be a "court case" to argue
for a court order.
According to the FTC, its lllegal for a debt collector to threaten it,
only if he/she can't carry through with it and that whether or not
he/she can is dependent on state law. Also, keep in mind, whenever you
sign a contract/application for a credit card, you assign the contract
to a given place based on where the credit card company is located. I
can insure you the credit card companies pick states friendly to their
collection requirements.
"Rod" <wyl...@hotmail.com> wrote in article
<b82efr$5ic6q$1...@ID-57098.news.dfncis.de>:
Steven J. Sobol
> This is pure bullshit. Only the IRS and child support can garnish wages.
No, you're absolutely, 1000% wrong; if you win a lawsuit against
someone you can attach assets (take money out of a checking account)
or garnish wages. I've sued and won and done so before.
Paul T Wang
"Dr Wakk" <DrWakk@Thanks&U?.wak> wrote in message
news:U24pa.36698$4P1.3...@newsread2.prod.itd.earthlink.net...
> troll city.......
> i cant bLEEEEVE how long this thread is and that it leads to
> here.............
Give it a killfile/ignore if you so desire.
Lawrence G. Mayka
> Check your local state law, in NY its 100% legal. Requires an attorney
> or any court officer to write up a form/etc but everything has
> paperwork. Beyond that, there doesn't need to be a "court case" to argue
> for a court order.
Do you have a reference for this? I see no evidence of any such thing anywhere
on the Internet, including at the office of the New York State Attorney General:
http://www.oag.state.ny.us/consumer/tips/debt_collectors.html
Bob Smith
"Lawrence G. Mayka" <lgmay...@ameritech.net> wrote in message
news:bqepa.2469$%_3.19...@newssrv26.news.prodigy.com...
subject from the original post ... If you want to continue it, how about
changing the subject line.
Thanks, Bob
Jeff
further off topic with this:
The term is not "garnish" but "garnishee," in this context. A court can
garnishee one's wages (or issue a garnishment of one's wages) so that a
judgment can be collected. If a court were to garnish one's wages, I'd
expect to see black olives, radishes, and salsa around my paycheck....which,
come to think of it, might not be a bad idea!
Sorry....I'm a frustrated English teacher. Don't get me started on
compose/comprise or anxious/eager. :-)
Jeff
"Rod" <wyl...@hotmail.com> wrote in article
> <b82efr$5ic6q$1...@ID-57098.news.dfncis.de>:
> > This is pure bullshit. Only the IRS and child support can garnish wages.
> >
> >
> > > "Lawrence G. Mayka" <lgmay...@ameritech.net> wrote in article
> > > <8SYoa.2260$%_3.17...@newssrv26.news.prodigy.com>:
> > > > "Michael Novich" <man23@columbia_no_spam.edu> wrote in message
> > > > news:va7mlp2...@corp.supernews.com...
Lawrence G. Mayka
news:wbGpa.76341$ja4.5...@bgtnsc05-news.ops.worldnet.att.net...
> The term is not "garnish" but "garnishee," in this context. A court can
> garnishee one's wages (or issue a garnishment of one's wages) so that a
> judgment can be collected. If a court were to garnish one's wages, I'd
> expect to see black olives, radishes, and salsa around my paycheck....which,
> come to think of it, might not be a bad idea!
>
> Sorry....I'm a frustrated English teacher. Don't get me started on
> compose/comprise or anxious/eager. :-)
Then please learn to use the dictionary. :-) The American Heritage Dictionary
of the English Language (New College Edition, 1983) has:
garnish
2. [Law] To garnishee.
Cruz Gracia
"garnishee" the one who has his/her wages "garnished"?
I've had this topic ignored because the thread was too long and VERY
idiotic.
"Jeff" <jpb...@nospam.att.net> wrote in message
news:wbGpa.76341$ja4.5...@bgtnsc05-news.ops.worldnet.att.net...
Steven J. Sobol
> *sigh.....* Just out of a morbid curiousity, isn't "garnish" a verb and
> "garnishee" the one who has his/her wages "garnished"?
I believe the *legal* term *is* Garnishee of Wages. If you're speaking
plain English, you're correct. The legalese *is* "Garnishee". Yes,
it's stupid, and this is the last thing I'm going to post in this
thread. (Really.)
Cruz Gracia
for the love of Christ, Allah, men on Mars, the trees in the park you
worship, whatever your faith is, please let this thread DIE.....DIE!!!!
"Steven J. Sobol" <sjs...@JustThe.net> wrote in message
news:slrnbaiu81....@amethyst.nstc.com...
Carl.
news:slrnbaiu81....@amethyst.nstc.com...
> > *sigh.....* Just out of a morbid curiousity, isn't "garnish" a verb and
> > "garnishee" the one who has his/her wages "garnished"?
>
> I believe the *legal* term *is* Garnishee of Wages. If you're speaking
> plain English, you're correct. The legalese *is* "Garnishee". Yes,
> it's stupid, and this is the last thing I'm going to post in this
> thread. (Really.)
And you are correct. Dictionary.com does list, towards the very bottom, a
verb form of garnishee:
--------------------------------------------------------
garnishee
v : take a debtor's wages, such as for child support
--------------------------------------------------------
It sounds weird to say like that. Maybe it's of a different origin, or
maybe it's an old example of verb-izing a noun. Like when you "deck"
someone.
John R. Copeland
[
Main Entry: (1)gar·nish·ee
Pronunciation: "gär-n&-'shE
Function: noun
Date: 1627
: a person who is served with a legal process of garnishment
]
as well as:
[
Main Entry: (2)garnishee
Function: transitive verb
Inflected Form(s): -eed; -ee·ing
Date: 1846
1 : to serve with a garnishment
2 : to take (as a debtor's wages) by legal authority
]
HTH
---JRC---
"Carl." <Kronk...@hotmail.com> wrote in message news:npfqa.10191$ac.7...@twister.austin.rr.com...
Michael Novich
My suggestion is to get a full copy of your cardholder agreement with
your credit card company. My point is that in the past many credit card
companies, as standard policy, wrote into their contracts their ability
to collect from wages. Once you sign that agreement, no matter what the
law is, you agreed to it. I learned the hard way that in contracts, if
you agree to something, even if its against the law, its often allowed.
"Lawrence G. Mayka" <lgmay...@ameritech.net> wrote in article
<bqepa.2469$%_3.19...@newssrv26.news.prodigy.com>:
[posted via phonescoop.com - free web access to the alt.cellular groups]