 Is it normal for your interest to be highter than your principal on 30yr fixed mortage? |
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 Is this email a scam? received from COMMITTEE ON FOREIGN PAYMENT (infouk100@earthlink.net)... |
is this legit?:
thiS IS TO OFFICIALLY INFORM YOU THAT YOUR EMAIL HAS DELIVERED YOU AND WE HAVE VERIFIED YOUR INHERITANCE FILE AND FOUND OUT THAT YOU HAVE NOT RECEIVED YOUR PAYMENT AND YOU HAVE NO... |
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| I owe a credit card company £3400, Ive had the card for just under a year, unfortunately due to personal circumstances I am unable to pay the credit card company the contractual monthly payments. I ... |
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| I was just curious, because it seemed like a blessing when I received it. I am having financial difficulties right now. I was scared and did a lot of research on it and found out it was a scam. It ... |
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| They call my cell phone at least 10 times a day. When I ask them to stop, they say they cannot control the calls. The dialing machine does it. Then I ask them to send me proof of the bill in the mail ... |
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| Whats a creditcard out there for bad credit?? AND is it bad to keep applying and getting denied by credit companies??? How do you rebuild your credit score?... |
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 Who knows if this is a good credit score? |
| So I had my credit checked and they said that my credit score was 630 is that good? But i have not got the whole report in the mail yet but I just wanted to ... |
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 Can credit card companies call 20 times a day for collection? |
| Is there something I can do to stop these calls from Chase Bank? They call my cell phone 15-20 times everyday. I can't even speak to a person if I answer. It's a ... |
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| My boyfriend is trying to get a car on finance. He's current car is on finance also but his mum put it in her name for him to get it. He has not faulted on one payment with his current car, has ... |
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 Did I get a good mortgage? |
30 yr fixed with a 6.58% Interest 100% Financing.
My PMI is almost $200 a month but I liked the idea of that better than emptying my savings.
Additional Details
For people who are ... |
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 Bank charges? |
| does anyone know how to reclaim bank charges.ive been charged 11 times in the last three months of 35.00 its ... |
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 Which will improve my credit score more? |
| With my tax return money I plan to pay down my debit Which of the following will improve my FICO score the most: (1) Pay off completely ($0 balance) a store credit card (Best Buy) (2) Pay down a Visa ... |
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amberzworld101 | Bank of RIPP OFF America? |
I just got a $35 late fee on my credit card account because I went into the bank on Saturday and handed them my payment rather than making it over the phone!! When I called customer service she had the nerve to tell me that if I had made my payment over the phone on Satuday it would have been on time! This is just one more dirty ways that Bank of America's treats its customers. And I personally am not going to take it anymore! I want to hear all of your horror stories about this Bank, I am consulting with an attorney to see about a class action law suit against Bank of America. If I can get enough people with legitamate complaints We might have a chance to do something about it. |
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Sarah K
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There are plenty of people who have complaints against Bank of America. Complain to the Better Business Bureau. The best thing to do is not bank with them. I've known of people trying to do this sort of thing to Wachovia via RipOffReport.com. You should complain there, as well.
I no longer bank with Wachovia because they charged me when I tried to cash a bad check from an eBayer... They charged to return the check and charged an "adjustment fee" to my deposit into my account. If you qualify to join a credit union, I'd advise it... they don't nickel and dime you to death like larger banks and they give higher interest rates, too. I'm only getting 3.5% APR on my savings account where I am now, but Wachovia's was pitiful. (I know that a money market account would be a better bet, but the money's only going to be in there temporarily.) |
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jim06744
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BOA took on a lot of Fleet's old garbage nickel and dime fees and such when they bought them a few years ago. Only ones who win in a class axn lawsuit are the lawyers, and that's when there is something valid to sue about. You don't have a prayer. Instead of getting mad, you should have asked them to reverse the fee because it was an honest mistake yada yada. Look around for another bank, there are other banks with more consumer friendly attitudes towards their customes. |
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Tally
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Good luck fighting the big banks, somewhere on some piece of literature you received from them, I'm positive it states something about the late fee if paid at the bank rather than the phone. I'm 100% positive their bases are covered. I know it's crummy, but most of the big banks are like that. |
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wrtrchk
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I HATE BANK OF AMERICA!! I've always said that B of A will get a class action law suit against them! I don't know how many times I was charged for talking to a bank representative rather than visiting an ATM or doing a transaction over the phone. Not to mention that they refused to let me withdraw money that I JUST deposited.
I will never go back to that bank, nor will I put money in Wells Fargo. My suggestion is that from now on, use a credit union. |
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MissV
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Fight your fee and move on. No one is going to give you info for a class action suit because you are not an attorney and our grief list is too long and complicated.
Besides: who will pay for the attorney and how will the attorney be selected? |
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douglas l
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As far as dirty tricks go, if BOA isn't the worst offender out there they are at least one of the most creative. It's bad enough we pay TWICE to use another bank's ATM. It's understandable that another bank would charge a non-account holder to use it's ATM but then when your own bank also hits you with a fee that's nothing less than greed. But as long as people just shrug their shoulders and pay it that will not go away.
But the worst thing they do is attempt to maximize their penalty fees. $35 is an absurd amount of money to have to pay for one overdraft. Even their overdraft protection is ridiculous. In addition to paying a monthly fee for that service they will hit you with a $20 fee if you ever have to use it.
My horror story is actually quite common. BOA customarily processes larger check and checkcard amounts first to increase the possibilty of overdraft. If for example you had $100 in your account and you wrote 1 check for $90 and three other checks for smaller amounts all totalling $150, they will process the $90 check FIRST to bring down the balance enough so the others will bounce. Each bounce is another $35 for them. So instead of one bounce for the $90 check they get three for the smaller ones. That happened to me once, $105 in overdraft charges. I called to dispute but they said no. I then asked when they recived the larger amount check and they gave me a date one day AFTER the others had arrived. So in essence they waited til they were all in and then proceeded to process the larger on first so the others would bounce. Underscoring all of this was a direct deposit to cover the amounts which cleared the SAME DAY, but which was not credited until after the checks were processed. Could they have avoided that for me? Of course. But it's money to them. Like they really need it. Pack of theives. |
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dlm1ok
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Class action Junkie!! All your questions and answers are around class action suits. There are some legitimate claims, but resolve it internally first, then consider a class action suit. |
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ES
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I agree with the first answerer. Fight your fee. A class action is like slapping a dog, it might make you feel good to get the aggression out but you do not win. The lawyers will take all for your $35 you may get $0.035 because that is one percent while the lawyers will probably get the same $0.035 but multiplied by tens of thousands. they get a new car you get enough money to lose in the couch.
http://www.biyts.info just read how the asbestos victims got screwed and THEY DIED! |
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larmarine83
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Forget the law suit, you signed the contract, you are held to their legitimate decision on when you must pay by. You paid late, period. Theses nothing more to it, maybe you should consider paying on time next time, or not charging so much to your credit card. My wife and i have bank of America, and we are perfectly happy with them.
Stop looking for an easy money settlement by law suit, what ever happened to working for what you have? |
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Deus V
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All credit cards are bad business. |
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