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Everything posted by FlyingRon

  1. Bankruptcies do not remove liens (except in limited lien stripping aspects). The fact "nobody came after you" is not an indication of things being hunky dory, but the fact the lenders are COMPLYING WITH THE LAW. If your debt was discharged, they can't come after you. If they're not in first position on the property, attempting to foreclose on the lien may be ill-advised as well.
  2. I won't even show my driver's license to the TSA. I use my TWIC card for that. Since people started getting hinky about SSN's the DL# is the primarily authentication for online banking and I'm not showing it anybody but a cop.
  3. National Recovery (of Kennseaw GA). Some deadbeat listed my cellphone number as one of his contact numbers (work). Nothing I could do, including calling the police down there and calling the president of the company personally could get them to STOP calling me and asking for "Christian." Learned one thing in that episode. The law protects the deadbeats. The innocent bystanders have no protection.
  4. Damn straight. After people got hysterical about SSN being used as an ID, the state driver's license number became the new identity number. Try opening on online banking account without one... Nobody but the cops see my driver's license.
  5. I don't know why it is surprising. If they're stupid enough to require ID for one it's unlikely they understand that credit and debit are different other than their POS unit may make them select one.
  6. This really isn't the right section for this. You can try your lies, but it probably won't work. If you'd called up as soon as you got the first bill, they *MIGHT* have waived the fees. You let everything go into collections and you'll take a hit on your credit for this.
  7. Checkin the ID provides little to no protection. Checking ID exposes you to inordinate problems with identity theft. As soon as everybody got paranoid about SSNs (and some regulatory protections were put in place), guess what? Your DRIVERS LICENSE NUMBER is now the defacto magic number to identify you in the online banking industry. Don't believe me. Go to one of the online banks and try to create your account without one. I'm not showing my driver's license to anybody other than the cops. I don't trust Radio Snack clerks or TSA TDC's. Both have been shown to have no provisions to guarantee integrity.
  8. District Managers at Radio Snack are as corrupt as the counter staff. My son was an employee at Radio Snack who got ultimately screwed. The manager was stealing cell phones and then was caught setting fire to the storeroom to cover up the shortages. The district manager just came in and strong armed all the employees with access to the back room to admit they stole some number of the missing phones. I told my son not to give in and if they wanted to file a complaint with the police I had a whole family of laywers to rival Tandy's.
  9. Or buy the pizza and complain to your credit card. I've never seen one that wouldn't rebate the buck. Don't know if they beat up the merchant or just eat it.
  10. I'm not that desperate for ground horse meat that I need to frequent the local Aldi.
  11. My AMEX card has the WRONG first name on it. Nobody has *EVER* noticed even when they call me by the wrong name and I correct them. Amusingly, I also had a VISA card issued without my last name (just my first and middle names). The only thing that triggered was my credit monitor when it detected someone else using my SSN (Mr. Middle Name).
  12. Now that people got overly sensitive about SSNs (not that they were ever that secure to begin with) the new standard for identity in banking is a DL number. Try opening any online bank account without one. It will be difficult. As pointed out, the DL number is of GREATER VALUE to the identity thief than your credit card number *OR* your SSN.
  13. I've had unreasonable cards and I tell them I have the scissors in my hand and they can be reasoanble or we can close the account. Only got called on that once. Note, I no longer have a discover card.
  14. The VISA/MC ID policy isn't "law." It's a contract between the merchant and the credit card. It's not something that they can just "get out of" by claiming sovereignty.
  15. Try opening an online banking account these days. You won't get it without a driver's license. The DL number has supplanted the SSN as the ID check of choice for these type transactions. The problem is people who will go to the wall protecting their SSN will hand over their DL without batting an eye.
  16. You don't, but I do. The drivers license number has totally replaced the SSN as the ID verification of online banking. Not going to show it any more than I have to. By the way being told to have it available, doesn't mean you have to show it. There are a few times when you will need it (missing signature on card, etc.) and they are just warning you not to leave it in the car.
  17. FlyingRon


    Don't I know it. I closed once as POA for my wife so in addition to everyplace my name was due, I had to sign her name with mine again as attorney in fact. Boy did I have writer's cramp by the time I got done with that.
  18. Huh? You can't use property you don't own as a down payment? Of course if you get a mortgage on it, the property would be the collateral. You'll have to see if the bank will finance the new house while you are still liable for the other. It used to be done all the time, but I suspect they are a bit more hincky about it now. Rental income may help, but that can also impair your ability to sell the house. Can you afford to pay both mortgages?
  19. I was at Sears buying some wrenches and swiped my AMEX card in the pin pad. The clerk was saying something about ID and I was about to protest when she said she just needed the little numbers printed on the front of the card. Sure enough the register was asking for that.
  20. The big deal is that the info on the drivers license is a substantial component of identity fraud. With the tightening up on the use of SSN's, the US Banking industry now uses the State DL# as a defacto ID. Try opening an account at an online bank, I guarantee you'll have to provide it. Some salamander store clerk who has no clue as to security isn't going to see mine for a credit transaction. My DL until last month had a 15 year old picture of me with a full beard (clean shaven now). I'm not sure what they think they were doing by looking at it. 99% never seemed to notice the startling difference between the picture and my appearance (on the other hand the TSA guys quite regularly commented on it).
  21. Who is "SHE" How about Incontinentals, repetitive, incessant, often necroposted, non-sequitor, posts about his view of the credit card merchant agreements?
  22. A state issued ID is not an option in many states if you have a driver's license. It is JUST AS BAD. The drivers license/state ID# has replaced the SSN as the verifiable banking identification in most cases (try opening an account at an internet bank some time). I'm not showing my ID to some minimum wage merchant employee for ANY reason.
  23. Actually depending on how the POS is set up, they may do both the authorization and capture at the same time. A void cancels the whole transaction if it's been submitted or just the authorization otherwise.
  24. Radio Shack (at least corporately) never asked for a phone number to buy batteries. What they asked for was a mailing address, which they've fortunately retreated from. By the way, with regard to zip codes, what do you think is going to be asked on the Code10 call anyhow. Been there done that.
  25. Western Union money transfers are for sending things to your cousin who doesn't have a bank account. Never send anything to anybody you don't personally know. Not only is there no recourse, there is not even any tracking that the person who picks it up is who they say they are. All they need is the information that you give them as to the money sent and they can pick it up anywhere in the world. Your WU transfer was funded with effectively a cash advance from your card. Good luck trying to get htat chargedback.

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