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Archive through August 10, 2010

Reality TVClubHouse Discussions: General Discussions ARCHIVES: May 2010 ~ August 2010: Free Expressions: The return of The Return of the Gripe Thread: Archive through August 10, 2010 users admin

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Escapee
Member

06-15-2004

Tuesday, August 03, 2010 - 9:58 am   Edit Post Move Post Delete Post View Post Send Escapee a private message Print Post    
Julie:
Haven't you been a stay at home mom for a while? Did it ever effect your credit score?

As far as I am aware, unless you are applying for credit and show no income, then points for the inquiry go against your credit, but that's it.

Kitt
Member

09-06-2000

Tuesday, August 03, 2010 - 10:05 am   Edit Post Move Post Delete Post View Post Send Kitt a private message Print Post    
From a CNBC Q&A page:

Q: I never applied for unemployment because I didn't want to admit we needed it. Now I'm thinking about it but am worried about how it will affect me in the future. Does it show up on credit reports, background checks and so on? We will most likely move in 2012. Will taking unemployment effect our ability to purchase a house in the future? -Kim, SC

A. Kim - No, no, and no. That's the short answer.

The longer answer is this...credit reports do not contain salary information and they do not contain information about where you get your income from. There was a time when salaries were on your credit reports but it's been a good 17+ years since they were purged because they weren't based on reliable sources. So, go ahead and file for unemployment. It doesn't have any negative impact on your credit reports or your credit scores.


Neko
Member

08-03-2001

Tuesday, August 03, 2010 - 11:43 am   Edit Post Move Post Delete Post View Post Send Neko a private message Print Post    
Bluejaxrock,


quote:

...one claim was opened when we asked if something was covered, and we didn't want to open a claim...




I used to work with a car insurance company, and they'd do that exact same thing because it's an event that happened to their car, even if we didn't pay out anything for it.
For example, someone hit their door and put a dent in it. They call to see if covered and price, we would say, they'd decide not to claim.
they'd still keep the incident on file, and it would be rated on the next renewal accordingly.

I never agreed with it, and we'd have to give a spiel that it wasn't that we thought they were less safe a driver, but that the incident may mean that the location they kept their car isn't as safe as it was, and that unfortunately, insurance is based on statistics.

I'm sure it's the same for your home insurance. 2 of them were acts of god, but they had to pay out for them. I'm sure if you asked them about statistics, they'd say those two storms means you're house is more of a liability and not one they want to take on.

After working with an insurance company, I hate them. LOL

Costacat
Member

07-15-2000

Tuesday, August 03, 2010 - 12:08 pm   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
Homeowners insurance is entirely different than auto insurance. If you live in an area where there is high risk (such as wildfires, tornadoes, hurricanes), you can have your insurance canceled or your rates raised even if you've never filed a claim. There was a lot of hullabaloo here after both the 2003 and 2007 wildfires. A lot of the homes that were lost were in a high risk area, and unfortunately a large percentage of the owners were low income. I think several of the larger insurance companies came under fire for their refusal to insure future homes in the area. I think the upshot was the insurance companies can choose to pull out of an area if it's high risk, just as they can choose to decline to renew your policy. (And IIRC, there are high risk insurance companies who will insure you, and some rates are really not all that bad but the coverage is usually less.)

Bluejaxrock
Member

04-23-2004

Tuesday, August 03, 2010 - 12:29 pm   Edit Post Move Post Delete Post View Post Send Bluejaxrock a private message Print Post    
Re: my credit score, it has gone down since my disability, and I'm current on the only 2 loans I have.
Re: homeowner's insurance, they're basically considering us high-risk, even though many homes were damaged in a large area, not just my neighborhood.
Trying to find a bright side, the two older claims come off in January, and we may be able to find a company whose premiums were lower than what we were paying. (I think we were overinsured anyway, after really looking at the policy.) It's just so daggone frustrating!

Nickovtyme
Member

07-28-2004

Sunday, August 08, 2010 - 6:57 pm   Edit Post Move Post Delete Post View Post Send Nickovtyme a private message Print Post    
Not sure if this is the right thread, but I have a gripe/complaint or what have you...

Here's the deal...On June 14th I took my 32" Westinghouse HD TV to a repair shop to get it fixed. We've had it for two years and one day the picture just wouldn't come on. You could hear the sound just fine and all that, but no picture.

I called around and a couple of places told me they didn't work on Westinghouse because the parts were so hard to get. But I found one place that said "sure no problem...we can get the parts".

I was like, Great! I mean I'd rather spend some money to get this one fixed.....but be bear with me...

So several weeks go by and I hear nothing from them. I call and the lady tells me that they've figured it out and the part is on back order. I was like ok...that happens. A couple more weeks go by without hearing anything and I call again. I'm told once again that the part is on order and it should be in any minute. I give it a couple more weeks, call again...now remember that I have heard nothing from these people...and she tells me that the part should be in, but she'll check on it and someone will call me on Friday to give me an update.

So this last Friday rolls around and I hear nothing. I call them later in the evening and a guy answers...I get to talking to him about it. I tell him whats going on and instead of getting good customer service...He proceeds to tell me that they had to send the part off to get it fixed and that maybe I should call him back next Wednesday. Oh the kicker...he said that maybe it was MY fault for bringing my TV to them to fix and that "Hey Listen...I'm not making any money with your TV sitting in my shop". I was like...Oh really? You've held my TV for ransom for 2 months now and all I'm trying to do is get a clear answer instead of the run-around.

Oh and now I realize for sure that the price they quoted me to fix it is not going to be the price on the final tally. I was quoted $172 but that was before I hear that they had to send the board off to get it fixed. And just the shear uncaring arrogance I got from this guy makes me realize that - Yes, maybe it is my fault.

This is what I've decided to do...Tomorrow, I'm going to them, in person and asking for my TV back. I am now to the point I don't care if this thing gets fixed...if they balk in getting my TV back to me...I'm gonna tell them that they can have it...and maybe they can sell it to recoup their money. Obviously, these people don't care if they make their customers happy...and I won't ever recommend them to anybody.

So if your ever in the LR area and need something fixed...Never use: http://local.yahoo.com/info-36745479-rs-electronics-service-repair-center-little-rock

Oh and I wish I had read these reviews before I ever started dealing with them. Granted, the first 3 reviews are prolly employees.

Colordeagua
Member

10-25-2003

Sunday, August 08, 2010 - 11:18 pm   Edit Post Move Post Delete Post View Post Send Colordeagua a private message Print Post    
Nick, I have relative who lives in nearby Alexander. I WILL pass that on to her.

Maplsyrp
Member

02-10-2009

Monday, August 09, 2010 - 7:10 am   Edit Post Move Post Delete Post View Post Send Maplsyrp a private message Print Post    
My gripe today is that the last 2 pedicures I have gotten have been crap. I quit going to my last place because they weren't doing a very good job plus I got a fungal infection. I started going to this spa that was a little more expensive and the first visit was exceptional. I have decided that I am going back to doing my own pedicure and save my money. I started gettin pedicures to reward myself after I quit smoking. I guess I am just frustrated that you pay people for a service and they half a** do their job. It seems like more and more everyday that people just dont care about how they do their job and customer service is not high on anyones list.

Costacat
Member

07-15-2000

Monday, August 09, 2010 - 7:10 am   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
Nick you can also call the BBB and file a complaint with them. They will investigate their business practices. While it may not actually resolve anything, they'll get a mark on their record and YOU will feel better.

Also be sure to post your own review on Yahoo as well as Yelp!

Urgrace
Member

08-19-2000

Monday, August 09, 2010 - 8:03 am   Edit Post Move Post Delete Post View Post Send Urgrace a private message Print Post    
Nick, our tv stations have a "help" call line. They investigate these kind of things to get a resolution, and put it on the air, too. Why not try that?

Escapee
Member

06-15-2004

Monday, August 09, 2010 - 8:20 am   Edit Post Move Post Delete Post View Post Send Escapee a private message Print Post    
Maplsyrp, the last pedicure I got the lady was digging under my toenail and it hurt for DAYS afterward, she lifted the nail. Why? What is the point. I even yelped when she did it. It was a poshy spa and I was getting a pedi and massage at the same time. The masseur lady kept pulling my hair. Like grabbing it in a handful, like a pony tail and tugging. I finally had to ask her to please stop doing that, it was neither relaxing nor necessary.

It was so friggin bizzare.

Panda
Member

07-15-2005

Monday, August 09, 2010 - 8:23 am   Edit Post Move Post Delete Post View Post Send Panda a private message Print Post    
Sorry Maplsyrp, I used to reward myself with pediures, to0! I love it and it really does stink when the experience is ruined.

Escapee-OUCH! how can that be relaxing?

Maplsyrp
Member

02-10-2009

Monday, August 09, 2010 - 9:07 am   Edit Post Move Post Delete Post View Post Send Maplsyrp a private message Print Post    
I agree with Panda. OUCH! How can anyone possibly think pulling your hair would be relaxing. I am going to go to Beauty Brands one night and get me some pretty colored polishes. On the bright side I will be saving alot of money that I can now add to my Christmas fund.

Yankee_in_ca
Member

08-01-2000

Monday, August 09, 2010 - 5:10 pm   Edit Post Move Post Delete Post View Post Send Yankee_in_ca a private message Print Post    
My landlord is an arse. The end.

Ophiliasgrandma
Member

09-04-2001

Tuesday, August 10, 2010 - 10:11 am   Edit Post Move Post Delete Post View Post Send Ophiliasgrandma a private message Print Post    
Straight to the point, huh, Yankee.

Maplsyrp
Member

02-10-2009

Tuesday, August 10, 2010 - 11:20 am   Edit Post Move Post Delete Post View Post Send Maplsyrp a private message Print Post    
I'm so sorry Yankee.

Karuuna
Board Administrator

08-31-2000

Tuesday, August 10, 2010 - 4:34 pm   Edit Post Move Post Delete Post View Post Send Karuuna a private message Print Post    
I hate people. None of you, of course. But I'm tired of dealing with folks like Yankee's landlord. Hackers who steal people's credit cards, and who break into small business websites, causing huge financial loss and headaches to honest working customers and vendors. I hate large company holes too. The ones that tell you it was all your fault, when you both know damn well that it was their sucky programming, but they have more money and power than you, so screw you. And I hate government agencies that enact bogus, unenforceable, stupid, knee-jerk rules that punish responsible people instead of the ones who are irresponsible. And I hate reporters who think 'cause it's a gov't agency, you're just being a PITA when you protest and try to get bogus, unenforceable, stupid, knee-jerk rules overturned.

Life just sucks sometimes. Where are the good people? The ones who do their jobs responsibly and care about doing things the right way? I'm just so damned discouraged.

Costacat
Member

07-15-2000

Tuesday, August 10, 2010 - 5:07 pm   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
The good people are still around. Unfortunately, while you run into us daily, we don't stand out. It's the eejits that make an impression, albeit a bad one.

The thing that amazes me in this day and age and with this economy is how many companies (both large and small) just treat customer service like an afterthought. Um, people, you want my business? Treat me ethically, with respect, and maybe you'll get to keep my business. (That wasn't meant for Kar, btw!)

Mameblanche
Member

08-24-2002

Tuesday, August 10, 2010 - 6:15 pm   Edit Post Move Post Delete Post View Post Send Mameblanche a private message Print Post    
(((((((((((((Kar))))))))))))
Sorry things are so sucky for you right now. I hope and pray things will turn around, in a positive way for you, soon. One thing for sure, beaurocracies are a b*tch.

Dogdoc
Member

09-29-2001

Tuesday, August 10, 2010 - 6:22 pm   Edit Post Move Post Delete Post View Post Send Dogdoc a private message Print Post    
We found out recently that because of ADA 57, if a deaf person brings in an animal and requests a translator, the animal hospital is required to find one and pay.

The cost of this is $60.00/hour with a two hour minimum. Mileage 50 cents/mile plus parking.

I guess I shouldn't be complaining, but we were taken by surprise.

Our exam fee is $45.00. We will suffer a big loss.

I don't mind working with a translator but this is a small 2 doctor hospital. We cannot afford pay out that kind of money.

Teachmichigan
Member

07-22-2001

Tuesday, August 10, 2010 - 6:51 pm   Edit Post Move Post Delete Post View Post Send Teachmichigan a private message Print Post    
It'd be cheaper to take an American sign language course than to pay fees like that!

Dogdoc
Member

09-29-2001

Tuesday, August 10, 2010 - 6:56 pm   Edit Post Move Post Delete Post View Post Send Dogdoc a private message Print Post    
The problem is, the client that may be coming in is also blind.

We have other deaf clients and they lip read or we write things out.

If someone requests a translator we have to get one.

Julieboo
Member

02-05-2002

Tuesday, August 10, 2010 - 7:03 pm   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Wow, deaf and blind, what a cross to bear.

Dogdoc
Member

09-29-2001

Tuesday, August 10, 2010 - 7:05 pm   Edit Post Move Post Delete Post View Post Send Dogdoc a private message Print Post    
We can't figure out how he would be able to take care of a pet.

Karuuna
Board Administrator

08-31-2000

Tuesday, August 10, 2010 - 7:33 pm   Edit Post Move Post Delete Post View Post Send Karuuna a private message Print Post    
Is it a service animal?