Fun with Credit card companies

Butterfly baby

After becoming unexpectedly unemployed a while back I was in the unfortunate position of having a large credit card bill to also deal with. Now I contacted them immediatly and told them the situation and made a deal to pay a fixed amount each month just to keep the intrest down and had the card frozen and I've never missed a payment since (I'm anal about bills like that). The problem is that I always pay around the 7th of the month (or my nearest pay day to it) and it takes 3 days to go through because I pay through the post office but, without fail, every month around this time I get an harassment phone call from them "reminding" me that it's been a month since my last payment and it pisses me off!

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan (no offense to the lovely people of India, this isn't about them I know they are only doing their job but it's no secret that most call centre work like this is routed through call centres in the east) and the language barrier makes it very frustrating to explain that I've made a payment but it takes a few days to go through and as well as that they can be quite agressive and insistant at times too so I got the usual call today and snapped. I'm sure I'm not the only person to have experienced this so this is how to deal with them.

Me: Hello
Her: Hello Ms butterfly this is ******* from {CC company} can you please confirm your mothers maiden name
Me: Why?
Her: Please confirm your mothers maiden name so I can verify your identity
Me: But why?
Her: I need your maiden name so I can verify your identity
Me: And who are you?
Her: This is ******* from {CC company}
Me: How do I know that?
Her: I'm sorry?
Me: Well you've just rang me from an unknown number and asked me for personal details that you could potentialy use to ring {CC company} and gain access to my account, how about you tell me my mothers maiden name so I verify your identity?
Her: But I have access to your account so I need your mothers maiden name to verify your identity
Me: Well If you have access to my account then it should be easy for you to tell me my mothers maiden name so I can verify your identity, so what is it?
Her: ***Long pause****
Me: Is this one of those telephone scams I've been hearing about?
Her: I'm sorry I can see you don't wish to speak to me so please phone us back to ensure you are then talking to a {CC Company} representative.
Me OK, Bye....

As yet they haven't phoned back, that's all I'm ever going to do from now on

Sorry for the lenght of the post but if it makes you feel any better it took longer to type than it will to read

CAPSLOCK365

Butterfly baby wrote: »

(I'm anal about bills

Bill's a lucky man.

My name is URL

Butterfly baby wrote: »

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan (no offense to the lovely people of India

The ignorance is astounding

tolteq

Why do we need to hear this?

Micky Dolenz

Butterfly baby wrote: »

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan

Probably a Pakistan.

DrumSteve

Butterfly baby wrote: »

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan

oooooooh no wonder... they pakistanis dont like the indians. and now there in their country!

Maddison

I thought it was funny:o
But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

Micky Dolenz

Maddison wrote: »

I thought it was funny:o
But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

Ha ha, geography fail for you.

maidie

Thats brilliant, I don't have a credit card but would love to do this for the crack....Cheap entertainment

Package

not ignorant at all, i always get some semi-lingual foreigner on the phone wanting to know my name, address and phone number and security question, even though THEY rang ME?

OP, i rang my cc company to have my card frozen so the interest wouldnt keep growning, they told me that the interest would keep going on anyway so there is no point freezing the card.?

is this true?

Micky Dolenz

Package wrote: »

not ignorant at all,

What that people living in Ireland are British?

Butterfly baby

Maddison wrote: »

But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

Actually I thought that too, thanks for clearing that up As regards the "Ignorance" comment as I said this had nothing to do with the people of Pakistan/India, I only mentioned it because the language barrier makes these calls so difficult. It was to do with credit card companies constantly harassing you. It wouldn't have matter the nationallity of the person who called because I'd have done it anyway because I was pissed off with the unnessassary harrassment

Butterfly baby

Package wrote: »

not ignorant at all, i always get some semi-lingual foreigner on the phone wanting to know my name, address and phone number and security question, even though THEY rang ME?

OP, i rang my cc company to have my card frozen so the interest wouldnt keep growning, they told me that the interest would keep going on anyway so there is no point freezing the card.?

is this true?

Yeah unfortunatly it is but if you make a deal to pay a certain amount a month (they send you a form you need to fill out) then you only get charged the intrest and as long as you stick to the deal you don't get over the limit or late payment charges which is about 30 euro less a month and it gives you a chance to bring it down.

Turd Ferguson

Yeah I hate those Indians ringing me up trying to sell me dream catchers and peace pipes :rolleyes:

onemorechance

My name is URL wrote: »

The ignorance is astounding

It's just being observant.

ejmaztec

Butterfly baby wrote: »

Actually I thought that too, thanks for clearing that up As regards the "Ignorance" comment as I said this had nothing to do with the people of Pakistan/India, I only mentioned it because the language barrier makes these calls so difficult. It was to do with credit card companies constantly harassing you. It wouldn't have matter the nationallity of the person who called because I'd have done it anyway because I was pissed off with the unnessassary harrassment

If you know nothing about Pakistan, how do you know it's got an arsehole?

Robbo

Maddison wrote: »

I thought it was funny:o
But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

Shouldn't you be in the Big Brother house at the moment?

Maddison

Micky Dolenz wrote: »

Ha ha, geography fail for you.

No actually I got an A in higher level

Butterfly baby

tolteq wrote: »

Why do we need to hear this?

Simple, because I'm not the only person that has ended up in this situation and credit card companies are the most vile ****ards when it comes to harassing you to pay them and on top of that stress you have other bills you have to deal with too and their agressive phone calls don't help so that's one way to deal with them.

Package

jesus why do people have to bring racism into it. observation is not racism..

i RARELY get an fluent english speaker calling me about these thing.. its not racism, its fact...

Micky Dolenz

Butterfly baby wrote: »

Simple, because I'm not the only person that has ended up in this situation and credit card companies are the most vile ****ards when it comes to harassing you to pay them and on top of that stress you have other bills you have to deal with too and their agressive phone calls don't help so that's one way to deal with them.

Ah...you spent their money.

Maddison

Robbo wrote: »

Shouldn't you be in the Big Brother house at the moment?

I probably should be only Im camera shy.:p

Micky Dolenz

Package wrote: »

jesus why do people have to bring racism into it. observation is not racism..

i RARELY get an fluent english speaker calling me about these thing.. its not racism, its fact...

Nobody mentioned racism, oh you just did. Me thinks you missed the point.

Relevant

Package wrote: »

jesus why do people have to bring racism into it. observation is not racism..

i RARELY get an fluent english speaker calling me about these thing.. its not racism, its fact...

I think you will find that the "ignorance" comment related to the fact that it would appear as though the op does not know that Pakistan and India are different countries

partyguinness

I am getting the same calls from, and I have no problems saying it, MBNA.

They said they can Laser Card payments and I told them I didnt have it with me and then they asked for the details of somebody who has access to my Laser Card so they could make a payment for me...:eek:

I told them I would pay in a few weeks when I had extra cash around..then they asked why I had missed my last payment and I told them I was busy...:rolleyes:

They keep pronoucing my name wrong which is annoying. They sound more Eastern European to me.

Butterfly baby

Micky Dolenz wrote: »

Ah...you spent their money.

Yes I did and I was well aware I was doing it at the time but I stopped when I could no longer afford it and now I'm paying it back (as I said) but I don't need to be made feel guilty every damn month when I've been following the agreement WE mutually made.

onemorechance

I think your post was great! Nice one! Sock it to them girl!

Relevant

I have to laugh at people who think that they are in the right even though they are the ones who spent money they didn't have. The credit card companies are ringing hassling you because you owe them money. When you signed your credit card form you agreed to pay it back. The sense of entitlement is ridiculous

Butterfly baby

Relevant wrote: »

I think you will find that the "ignorance" comment related to the fact that it would appear as though the op does not know that Pakistan and India are different countries

And I admited that I made that mistake, big deal my geography sucks...sue me ffs :rolleyes:

ShooterSF

The employee's long commute to work aside, fair play OP. I don't like people phoning me and then getting me to prove my identity.

Maddison

Relevant wrote: »

I think you will find that the "ignorance" comment related to the fact that it would appear as though the op does not know that Pakistan and India are different countries

Well heres a bit of ignorance for ya....I also thought Japan was the capital of China.....knowing your capitals of countries doesnt make you an intellect imo

SV

Maddison wrote: »

Well heres a bit of ignorance for ya....I also thought Japan was the capital of China.....knowing your capitals of countries doesnt make you an intellect imo

...seriously now?

onemorechance

Relevant wrote: »

I have to laugh at people who think that they are in the right even though they are the ones who spent money they didn't have. The credit card companies are ringing hassling you because you owe them money. When you signed your credit card form you agreed to pay it back. The sense of entitlement is ridiculous

She had made an agreement to pay the credit card company and since she had been making regular monthly payments, the calls were not necessary.

CAPSLOCK365

Maddison wrote: »

Well heres a bit of ignorance for ya....I also thought Japan was the capital of China.....knowing your capitals of countries doesnt make you an intellect imo

No, but not knowing makes you ignorant

Ignorance.def
The condition of being uneducated, unaware, or uninformed.

Kintarō Hattori

Maddison wrote: »

I thought it was funny:o
But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

Butterfly baby wrote: »

Actually I thought that too, thanks for clearing that up

Maddison wrote: »

No actually I got an A in higher level

Nooooooooooo.......... are we turning into Americans?!!!! How we used to be able to laugh and point the finger when we watched YouTube clips of average Americans unable to locate Iraq or France on a map.

No more can we laugh it seems.


(Yet again Overheal no offence meant sir!)

Maddison wrote: »

Well heres a bit of ignorance for ya....I also thought Japan was the capital of China.....knowing your capitals of countries doesnt make you an intellect imo

Well so far you've given us good reason to be wary of your opinion!

partyguinness

CAPSLOCK365 wrote: »

No, but not knowing makes you ignorant

Ignorance.def
The condition of being uneducated, unaware, or uninformed.

Come on now children...:rolleyes:

Maddison

CAPSLOCK365 wrote: »

No, but not knowing makes you ignorant

Ignorance.def
The condition of being uneducated, unaware, or uninformed.

So calling myself & the OP uneducated are we. Thats ignorant of you. I have 2 degrees so I am hardy uneducated.

Butterfly baby

I expected a few smart remarks to this thread but to turn it into a thread about geography was the last thing I expected...and I thought I was anal

Micky Dolenz

partyguinness wrote: »

Come on now children...:rolleyes:

Ignorance isn't a bad thing, Sometimes it's the only way some people can get laid....by their siblings. Evening..meet my wife and my sister!

CAPSLOCK365

Maddison wrote: »

So calling myself & the OP uneducated are we. Thats ignorant of you. I have 2 degrees so I am hardy uneducated.

no, I pointed out that you were dictionary definition ignorant.

Micky Dolenz

Maddison wrote: »

So calling myself & the OP uneducated are we. Thats ignorant of you. I have 2 degrees so I am hardy uneducated.

:eek: God have mercy :pac::pac:

Maddison

Kintarō Hattori wrote: »

Nooooooooooo.......... are we turning into Americans?!!!! How we used to be able to laugh and point the finger when we watched YouTube clips of average Americans unable to locate Iraq or France on a map.

No more can we laugh it seems.


(Yet again Overheal no offence meant sir!)




Well so far you've given us good reason to be wary of your opinion!

So shoot me, I dont know my arse from my elbow when it comes to country capitals.....Im over it!

Micky Dolenz

Maddison wrote: »

So shoot me, I dont know my arse from my elbow when it comes to country capitals.....Im over it!

Hi, Can I have a good feel of your elbow then? :pac::pac:

Kintarō Hattori

Maddison wrote: »

So shoot me, I dont know my arse from my elbow when it comes to country capitals.....Im over it!

Ahh I wouldn't go that far.

Maddison

Micky Dolenz wrote: »

Hi, Can I have a good feel of your elbow then? :pac::pac:

You sure can but you'll have to ask my husband-brother:p

Butterfly baby

I just thought of something

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan (no offense to the lovely people of India, this isn't about them I know they are only doing their job but it's no secret that most call centre work like this is routed through call centres in the east)

still applies unless you are saying that there are no people from India working in Pakistan?

would I have been jumped on as quick if I'd have said

It's ALWAY some Cork person probably from some call centre in the arsehole of Dublin (no offense to the lovely people of Cork, this isn't about them I know they are only doing their job but it's no secret that most call centre work like this is routed through call centres in the pale) ?

Micky Dolenz

Butterfly baby wrote: »

I just thought of something

It's ALWAY some Indian person probably from some call centre in the arsehole of Pakistan (no offense to the lovely people of India, this isn't about them I know they are only doing their job but it's no secret that most call centre work like this is routed through call centres in the east)

still applies unless you are saying that there are no people from India working in Pakistan?

would I have been jumped on as quick if I'd have said

It's ALWAY some Cork person probably from some call centre in the arsehole of Dublin (no offense to the lovely people of Cork, this isn't about them I know they are only doing their job but it's no secret that most call centre work like this is routed through call centres in the pale) ?

one handed clap for you my friend:pac::pac::pac: Your gas

Relevant

My point was related to the person who came along screaming racism .

Relevant

Maddison wrote: »

You sure can but you'll have to ask my husband-brother:p

So your husband is your brother eh? Your ignorance is explained by your inbred relationship so...

Black Swan

Maddison wrote: »

I thought it was funny:o
But Pakistan & India are different countries....I only learnt this recently...I always thought that Pakistan was the capital of India

I can see the headlines now on the front cover of the Hindustani Times from New Delhi in large block letters: MADDISON CONFUSES PAKISTAN WITH INDIA!

PCPhoto

ok.... back to the topic at hand

Credit card company making "reminder" calls despite the fact they have an agreement for payments with the OP.

Ps. on a side note: will remember to do that to the credit card company/phone/esb/bank when they phone me up next.

OP.... have you tried asking them not to contact you by phone - I think you can choose the method they contact you - I have always asked for it to be Email, that way I can just keep all the messages in a folder.