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Sunday, April 13, 2008

Student Warning: Your Large Corporate Bank Will Cheat You!

The Website Universal Tattletale which was the original reason for this blog tried to provide an avenue for people to complain or seek action because there is in many cases little or no action economically feasible available through a lawyer or the government. Telephone companies, cell phone companies and banks are the biggest winners when it comes to unscrupulous behavior including outrageous charges and shady contracts that legalize a form of theft. Many times they will negotiate but this is only after they have made huge unreasonable profit from your accounts.

Sadly Americans have come to accept shady deals, dirty games and the absolute authority given to large corporate entities especially communication companies and banks. We have been trained to be submissive to otherwise unethical and immoral behavior. Note this real life account.

04/10/2008

NSUFFICIENT FUNDS FEE

$70.00


($278.52)






04/09/2008

WALGREEN COMPANY MICHIG 514552 04/08WALGREEN

$1.32


($208.52)






04/09/2008

ATM WITHDRAWAL 007405 04/0830 N MICH

$40.00


($207.20)






04/09/2008

INSUFFICIENT FUNDS FEE

$35.00


($167.20)






04/08/2008

MCDONALD'S F3661 CHICAGO 04/06MCDONALD'

$5.01


($132.20)






04/08/2008

INSUFFICIENT FUNDS FEE

$210.00


($127.19)






04/08/2008

DEPOSIT ID NUMBER 912087 Deposit slip available for viewing (view)


$100.00

$82.81






04/07/2008

CVS 3674 105 S. Wabash C930042 04/04CVS 3674

$1.01


($17.19)






04/07/2008

7-ELEVEN CHICAGO IL 100259 04/047-ELEVEN

$1.08


($16.18)






04/07/2008

7-ELEVEN CHICAGO IL 334195 04/067-ELEVEN

$1.41


($15.10)






04/07/2008

MCDONALD'S M4129 OF IL C 04/05MCDONALD'

$2.53


($13.69)






04/07/2008

7-ELEVEN CHICAGO IL 121161 04/057-ELEVEN

$3.02


($11.16)






04/07/2008

SHELL Service Station CH768147 04/05SHELL Ser

$4.06


($8.14)






04/07/2008

DUNKIN #343358 Q35 C 04/03DUNKIN #3

$4.21


($4.08)






04/07/2008

7-ELEVEN CHICAGO IL 352849 04/047-ELEVEN

$5.33


$0.13






04/07/2008

MCDONALD'S F30930 CHICAG 04/04MCDONALD'

$6.52


$5.46






04/07/2008

ATM WITHDRAWAL 007128 04/0430 N MICH

$20.00


$11.98






04/04/2008

INSUFFICIENT FUNDS FEE

$35.00


$31.98






04/04/2008

DEPOSIT ID NUMBER 912085 Deposit slip available for viewing (view)


$70.00

$66.98






04/03/2008

7-ELEVEN CHICAGO IL 351411 04/037-ELEVEN

$3.15


($3.02)






04/03/2008

MCDONALD'S F30930 CHICAG 04/02MCDONALD'

$3.43


$0.13

Above is an actual recent record of a college student who recently overcharged his account buying meals in downtown Chicago on a very low budget. The student had used only a debit card but was unaware of any of the overdrafts at any time and eventually incurs $340 dollars of fees with 11 total charges of 66.80. You might say the student should have known, but if you carefully study the series of charges you can see why it is quite possible to overcharge this much money and never realize that a mistake has been made. The above charges incurred on a Chase bank account.

The first overdraft occurred on April 3 when a deposit went in immediately following on the next day for $70 . The balance would be $35 dollars lower than the student realized. Therefore the student in downtown Chicago used the card for very small purchases to eat for the next few days not realizing the account was over drafting, Seven charges of a total amount of $17 dollars on a debit card incurred fees of $210. The student then put in another $100.00 because without the charges thus far there would have been a positive balance of roughly 118.00 dollars.

The student then made two more debit card meal purchases for a total of $6.33 and made a withdrawal from an ATM for $40 dollars at which time he showed a negative balance of $207.20. The bank then added additional fees of $70. The final balance is now $278.52 and the account balance with no charges would still be positive by more than $5.

This is nothing more than legalized theft. Its to bad Charlton Heston or Ronald Reagan couldn’t try to stand up for this kid’s rights for fair treatment by stating something like over my dead body or from my cold dead hand, but these people and many Americans and others have little or no ability to defend their rights. We are indeed a nation lead by elitist views who say one thing but do another.

In a final note the Chase bank via a foreign customer service from India? agred to credit the account for $150 leaving the student who should have had a positive balance with $190.00 in late fees on an account that should have never bounced or incurred any late fees.


Thursday, April 10, 2008

Who goes to War? Who Likes to Play War?








I decided to blog something to blog something--more about the war and the politics of war. Using other people's stuff is so much easier. Below a little comparison about who has served in the military between some popular Democrats and Republicans.


Republicans —

* Dick Cheney: did not serve. Several deferments, the last by marriage.
* Dennis Hastert: did not serve.
* Tom Delay: did not serve.
* Roy Blunt: did not serve.
* Bill Frist: did not serve.
* Mitch McConnell: did not serve.
* Rick Santorum: did not serve.
* Trent Lott: did not serve.
* John Ashcroft: did not serve. Seven deferments to teach business.
* Jeb Bush: did not serve.
* Karl Rove: did not serve.
* Saxby Chambliss: did not serve. “Bad knee.” The man who attacked Max Cleland’s patriotism.
* Paul Wolfowitz: did not serve.
* Vin Weber: did not serve.
* Richard Perle: did not serve.
* Douglas Feith: did not serve.
* Eliot Abrams: did not serve.
* Richard Shelby: did not serve.
* Jon Kyl: did not serve.
* Tim Hutchison: did not serve.
* Christopher Cox: did not serve.
* Newt Gingrich: did not serve.
* Don Rumsfeld: served in Navy (1954-57) as flight
instructor.
* George W. Bush: failed to complete his six-year National Guard; got assigned to Alabama so he could
campaign for family friend running for U.S. Senate;
failed to show up for required medical exam,
disappeared from duty.
* B-1 Bob Dornan: Consciously enlisted after fighting was over in Korea.
* Phil Gramm: did not serve.
* John McCain: Silver Star, Bronze Star, Legion of Merit, Purple Heart and Distinguished Flying Cross.
* Dana Rohrabacher: did not serve.
* John M. McHugh: did not serve.
* JC Watts: did not serve.
* Jack Kemp: did not serve. “Knee problem,” although continued in NFL for 8 years.
* Dan Quayle: Journalism unit of the Indiana National Guard.
* Rudy Giuliani: did not serve.
* George Pataki: did not serve.
* Spencer Abraham: did not serve.
* John Engler: did not serve.
* Lindsey Graham: National Guard lawyer.
* Arnold Schwarzenegger: AWOL from Austrian army base.
* Ronald Reagan: due to poor eyesight, served in a non-combat role making movies.

Pundits & Preachers:

* Sean Hannity: did not serve.
* Rush Limbaugh: did not serve (4-F with a ‘pilonidal cyst.’)
* Bill O’Reilly: did not serve.
* Michael Savage: did not serve.
* George Will: did not serve.
* Chris Matthews: did not serve.
* Paul Gigot: did not serve.
* Bill Bennett: did not serve.
* Pat Buchanan: did not serve. (Did oppose the war in Iraq)
* Bill Kristol: did not serve.
* Kenneth Starr: did not serve.
* Antonin Scalia: did not serve.
* Clarence Thomas: did not serve.
* Ralph Reed: did not serve.
* Michael Medved: did not serve.
* Charlie Daniels: did not serve.
* Ted Nugent: did not serve. (He only shoots at things that don’t shoot back.)
* John Wayne: did not serve.
* Gerald Mcraney: did not serve. Played a Vietnam Vet
on 3 TV shows (Simon & Simon, Major Dad, and Promise
Land)

Democrats:

* Richard Gephardt: Air National Guard, 1965-71.
* David Bonior: Staff Sgt., Air Force 1968-72.
* Tom Daschle: 1st Lt., Air Force SAC 1969-72.
* Al Gore: enlisted Aug. 1969; sent to Vietnam Jan. 1971 as an army
journalist in 20th Engineer Brigade.
* Bob Kerrey: Lt. j.g. Navy 1966-69; Medal of Honor, Vietnam.
* Daniel Inouye: Army 1943-47; Medal of Honor, WWII.
* John Kerry: Lt., Navy 1966-70; Silver Star, Bronze Star with Combat
V, Purple Hearts.
* Charles Rangel: Staff Sgt., Army 1948-52; Bronze Star, Korea.
* Max Cleland: Captain, Army 1965-68; Silver Star & Bronze Star, Vietnam.
* Ted Kennedy: Army, 1951-53.
* Tom Harkin: Lt., Navy, 1962-67; Naval Reserve, 1968-74.
* Jack Reed: Army Ranger, 1971-1979; Captain, Army Reserve 1979-91.
* Fritz Hollings: Army officer in WWII; Bronze Star and seven campaign
ribbons.
* Leonard Boswell: Lt. Col., Army 1956-76; Vietnam, DFCs, Bronze
Stars, and Soldier’s Medal.
* Pete Peterson: Air Force Captain, POW. Purple Heart, Silver Star and
Legion of Merit.
* Mike Thompson: Staff sergeant, 173rd Airborne, Purple Heart.
* Bill McBride: Candidate for Fla. Governor. Marine in Vietnam; Bronze
Star with Combat V.
* Gray Davis: Army Captain in Vietnam, Bronze Star.
* Pete Stark: Air Force 1955-57
* Chuck Robb: Vietnam
* Howell Heflin: Silver Star
* George McGovern: Silver Star & DFC during WWII.
* Bill Clinton: Did not serve. Student deferments. Entered draft but received #311.
* Jimmy Carter: Seven years in the Navy.
* Walter Mondale: Army 1951-1953
* John Glenn: WWII and Korea; six DFCs and Air Medal with 18 Clusters.
* Tom Lantos: Served in Hungarian underground in WWII. Saved by Raoul Wallenberg.
* John Murtha: Marines, Vietnam, Purple Heart, Bronze Star

Cartoons courtesy About.com, taleofiraqwar.blogspot.com, War stats blogged (they look correct)