CNH Capital problems AGAIN (A Warning to All)

[Doc_Bob]

Companies, corporations, businesses are made up of people. Some people do their jobs, some do not. Some people care about providing good service, some do not. Some people enjoy their jobs, some do not. Both kinds of people are found in businesses of all sizes, not just corporations.

Agreed!
Bob

 

[kloswerkes]

part of the problem is the bureaucracy of corporations. I have had problems with Citi Bank and Chase credit in the past year. Citi said that I bought $1000 worth of furniture and hadn't paid for a year (I never financed any furniture obviously)... and subsequently sent a collection agency after me. The thing is, I never received a BILL, just a letter from a collection agency. So my credit took a huge dive and my attempts to fix have been futile.

Since it was Citi's fault that my credit score took a nose dive, shouldn't they be liable for any increased interest payments I have to make? Obviously this would never happen since corporations have no liability in these types of cases.

Chase started putting charges onto my account from a fella over in Manchester England that went by the same name as me. I have no idea how this could ever happen since we have different socials and everything. This again took many hours of my time to fix.

Whenever these types of things used to happen to me, I'd get all stressed out about it. Then one day while whining to a co-worker about it, I got some advice that made my life much more enjoyable. Now, whenever something like what you describe above happens, I treat it like a business issue - i.e. like _they_ do.

For example, if you look at your agreement with Citi, you'll see they have a fee schedule for resolving issues that you cause. Reverse the fee schedule, and bill them. Almost all agreements have an "account research" or some such fee, which is a per hourly rate. They usually have a "photocopy" fee, and late payement fee, etc. If they have established these fees to apply to you, then they have already agreed that they are "reasonable" fees to charge for those services. So they can't argue that you're being "unreasonable" when you have to perform these services to fix their mistakes.

I haven't had a problem in quite some time, but my last issue was with Wells Fargo (messed up on a deposit I made, and required me to bring a copy of my deposit slip in.). I hit them for an hour of time, the photocopy, and a bounced check (which I would have had to pay if I would have written a check againt the funds that were supposed to be there).

They complained about it initially, and said they would never pay, but after I escalated it from the branch mgr to the regional mgr, they agreed to pay me. They never made any mistakes on my account after that, as memory serves me.

This works for me, but, as always, YMMV.

 

[Soundguy]

Hey.. no fair holding 'da man' to the same degree of accountability as they hold us.. (grin)

Soundguy

 

[dqdave1]

If you want to hold them responsible; do what they did; put it in writing. Just because they have it in writing is not reason for you to be able to charge them. Bank managers have an account they they are provided to help customer complaints. Sometimes it is easier to pay a small fee than upset a customer. I doubt if you try to add a fee schedule to a lenders application, they will politely say "no".

If CNH is a problem; refinance with your "preferred" lender.

 

[CBox]

My brother had something similar to this. He and his family were in the process of moving. His wife forgot, and missed a doctor's appointment. The doctor's office sent them a bill for failing to make the appointment. A few weeks later, my brother had an appointment with the same doctor. He was at the appointment on time and had to wait for almost two hours before getting in to see the doctor.

He sent them a bill for his time. They paid the bill, plus sent back his check for his wife's missed appointment, plus a note requesting him to find another family doctor.

The Free Enterprise System, isn't it great.

 

[bandit67]

We've had a couple of problems in the last 6 months with CNH not posting the checks in a timely manner, and then charging a late payment fee. Upon investigation, it was found that the check arrived before the payment due date, but then was not posted for days afterward. The CNH reps have gladly removed the late payment fee. Both times, the CNH reps were female. My wife called to clear the matter up. Maybe you should have your wives call in to straighten things out. Maybe the women at CNH like our women better than us. Did I say that?! Is that PC?!

 

[sandman2234]

My house alarm company gets a check from a billpayer type service I use, and gets it almost on the identical day of the month. They call me every year or so, wanting me to do something about the missed payments. This last time, it was the CEO doing the billcollecting, and I politely to him, that no, I wasn't sending any money. Two, quit calling me, and three, hire a bookkeeper! That got his attention and he asked me for the check numbers I had made the payments with. I told him to do his own research because I was tired of doing it for him, that this problem happened before with the same results. I got a message today on my answering machine, saying how sorry they were for bothering me, and that my account was up to date and the next payment wasn't due till the 20th of next month.
On another note, Bargainland liquidations on ebay kept my money for two months and then sent me a note saying they were going to refund my money. It was an automated letter, which should scare most of us. I immediately sent a reply back, and copied it to the email addy they use but they sent a partial refund and said it was all of it. I requested they merely send me something else I could use, and copied several auctions numbers for them (cheap stuff I could use). The first has ended with no bids, but no response from them. After ignoring the second email, I called them and they are going to get back to me. I questioned what will happen if this was not resolved and I gave negative feedback. They stated "retalitory negitive" feedback would be placed. Since I have bent over backwards trying to be patience with these people, have never left neg feedback for anyone yet, and offered viable alternate routes, I think this may be considered slander and I think a phone call to my attorney might be next if they don't do something in the next week. They advertise second rate service, but slandering my good name will be a good reason for me to spend my hard earned money with an attorney.
David from jax

 

[Doc_Bob]

I think this may be considered slander and I think a phone call to my attorney might be next if they don't do something in the next week. They advertise second rate service, but slandering my good name will be a good reason for me to spend my hard earned money with an attorney.
David from jax

Wait till you see how much money filing a slander suit will cost!

Ot just one letter from your Attorney. Ouch!
Bob

 

[kloswerkes]

<SNIP>
On another note, Bargainland liquidations on ebay ....
<SNIP>
but they sent a partial refund and said it was all of it. <SNIP>
David from jax

Uh, you may have been lucky to get anything at all. This is way OT but since it appears you might not be aware:
AuctionBlacklist.com - Case ID #: 231

It says you are "urged to visit Arizona Attorney General, Terry Goddard and file an online complaint with the Arizona Attorney General's Office".

Here's another site with reports: Rip-off Report.com - badbusinessbureau.com

Good luck.

 

[sandman2234]

I have a good friend that owns some property near me, and I do occasional tractor work on it. His is an attorney, and might just be able to get my item either shipped or the correct amount refunded.
David from jax