reply to post by kro32
I agree with that assessment. If the bank were not so complicit in this, I would be on your side. Many years ago, in a rush, I sent an unsigned check
to the power company. A week later I got a notice of non-payment. My first thought was that the payment was lost in the mail, but when I called I
found out I had made a mistake.
I apologized and paid it; it cost me a late fee.
Now, assume that they had not sent me the notification. I would not have known that there was a problem until I checked my account. The bill was small
enough at the time as to have not been that noticeable compared to my balance. Without knowing there was a problem, I would not have concerned myself
with it. I simply do not have the time (nor the inclination) to worry incessantly about making sure everyone I wrote a check to has managed to cash
that check in the time span I expect them to.
Now compare that with my last experience with Dish Network (which I alluded to earlier in this thread). I called to make a payment, one which I could
barely afford at the time (I was in pretty bad financial straits at the time). The person I spoke with took my information and accepted my payment. A
week later I had no signal and called to see what the problem was, and was told I had been turned off for non-payment.
I should explain here that my basic bill was paid on a yearly basis; the only thing paid monthly was a couple of premium channels.
I explained that the payment had been made, and I apologized for the problem. When I tried to make a payment again, it was refused by my bank. I
called the bank and found out the reason I didn't have enough funds was that they had already frozen the payment amount, but had not sent in the
request for actual payment.
I called Dish back with all the information from the bank and asked that they either complete the payment I had made or release the funds so I could
make the payment again. They refused, saying that I was lying about the bank info. I got my bank on the line in a conference call and had them repeat
what they told me. Dish still didn't believe me. I then asked why the pre-paid package had been turned off and the reply was, and I quote, "Because
that is the only way we have of making you pay this payment."
I told them our relationship was over unless I received what I had paid for. They again refused, so I hung up. As soon as I could afford it, I
subscribed to DirectTV. I use any bills or offers from Dish as kindling to start fires in my wood heater.
Yes, bills. Despite canceling my service, my prepayment was forfeited and the bills they had frozen accounts for were continued for three months. Over
the years, interest has been added as well. I have received a couple of calls from collection agencies; I have informed every one that nothing would
make me happier than be be called to court to defend my actions. None have ever called more than once.
Due diligence works both ways. I cannot, and this lady cannot, force anyone to accept payment. There are actually laws on the books (and I hope her
attorneys use them) to have debts erased because the creditor refuses payment.
Apparently you have never experienced such a situation. Congratulations, and I hope you never do. But please don't think that just because you have
never experienced something directly it doesn't exist. I, for instance, have never seen the Eiffel Tower with my own eyes. Yet, I believe it exists
based on the reports of others.