Admin

A tale of betrayal

By
Real Estate Agent with HomeSmart International

Bank of America and a dozen other banks receiving tax payer's bail-out money, have been hiring thousands of foreign workers to replace American employees....

....read full article here: http://news.yahoo.com/s/ap/20090201/ap_on_bi_ge/bailout_foreign_workers

In the midst of the most devastating economic down-turn since the Great Depression, these pathetic excuses for human beings, continue to betray the taxpayer, by laying-off thousands of American workers, just because they can get away with paying foreigners less money.....notice that upper management is still in place with their obscene salaries and bonuses.

WE the people, need to start writing our representatives to clean house, fire those greedy traitors, and revamp our financial system ....obviously, these thieves have no idea what the words honesty, decency and integrity mean.

Bank of America, American Express and other banks that handle credit cards continue to go full blast on siphoning-out as much money out of the consumers' pockets, before new laws go into effect 18 months from now, that would render most of their current practices and activities illegal.

The latest one, which thousands of consumers are reporting, specially people with great credit (over 700), who have never been late, never over the limit, and who have their accounts on automaic payments, is the new "error/apology" scam. 

Simply, it works like this: the bank short-circuits and stops your automatic payment for a couple of months.  Typically, the consumer does not catch it, because the account is on "automatic", and they do not need to check it or make a payment.

Next, the bank marks your account late, they report it to the credit bureaus, lower your credit limit, your credit scores go down, and they "default" you to their 29.9% interest.

Once all this is done, a couple of months later (and in case you catch them), they send you a letter telling you that they are sorry and apologetic that the computer suspended your payment by mistake and that now everything is back to normal and that your automatic payments are back on track.

Some of the banks may even offer to credit you back the penalty fees that they charged you ..... but what they don't tell you is that your FICO scores remain lowered and that your 29.9% interest remains in place. 

A lot of people that do not check their accounts regularly, never even find out about this, and they are paying interest thru the nose.

I personally have a lot of good business associates that work in the banking industry, who have high levels of integrity and professionalism, and to them I say I'm sorry for the fools at the top that are giving their industry such a bad name....my disgust is directed to the leadership.

Recently, I have spent a lot of time writing about all this, and frankly, I am getting sick and tired of it .....I long for the day when I can dedicate this blog to more constructive, productive and inspiring themes.

Robert Machado
HomePointe Property Management, CRMC - Sacramento, CA
CPM MPM - Property Manager and Property Management

In this day there is no excuse for making sure your automatic payments are made.  I can't believe banks are stopping them.  Never heard of that one.

Feb 01, 2009 04:34 PM
C Tann-Starr
Tann Starr & Associates, Inc. - Palm Bay, FL

Oh my word... That totally whomps! Things are tough enough as it is... The nerve of them.

Feb 01, 2009 11:21 PM
C Tann-Starr
Tann Starr & Associates, Inc. - Palm Bay, FL

Featured @ Club Chaos

Feb 01, 2009 11:22 PM
Federico Astiz
HomeSmart International - Tucson, AZ

The banks are now desperate for money and they will do anything to get as much as they can.  The Wall Street mentality of excess has not changed .....the end justifies the means .....once the criminal mind sets in, it believes that what they do is actually not a crime.

Here is an intersting article http://www.nytimes.com/2009/02/02/opinion/02krugman.html?_r=2&ref=opinion

Feb 02, 2009 12:48 AM
Broker Nick
South Florida Real Estate & Development, Inc. - Coconut Creek, FL
Broker Nick Relocation Broker Service

Federico ~ While I agree with Bank of America should be ashamed of themselves, I quit banking with them five years ago.

But when people say we are living in the midst of the most devastating economic down-turn since the Great Depression, history has it that during the Great Depression, unemployment was at 23%, during the Carter administration it was at 13% and interest rates at 19 and 20% for mortgages, now unemployment rate is a 9% and mortgage rates are at an all time low, how can anyone say this is the worst or most devastating economic down turn since the Great Depression?

Feb 02, 2009 02:13 AM
Federico Astiz
HomeSmart International - Tucson, AZ

Thank you Nicholas, to answer your question, I posted a new blog.

Feb 02, 2009 06:19 AM
Mike Frazier
Carousel Realty of Dyer County - Dyersburg, TN
Northwest Tennessee Realtor

Federico,

Good to have you here in the rain blogging!

Feb 02, 2009 08:24 AM