Tag Archives: scam

Skills for Life: Just Keep Escalating…

CHASE STEALINGI adhere to the philosophy that life is mostly just a series of problems.  If you are particularly lucky you will experience tiny patches of peace in between.  I discovered today that Chase Bank has been charging me an undisclosed fee of $12 a month for most of the past four years.  This obviously made me fucking irate.  I went to talk to the ladies at the bank.  They give you the same story.  “We can take off three months worth of fees as a courtesy.”  Most people would be satisfied with this crumb.  Me, I escalate.  Kindly, I thanked entry-level customer service representative for her help and her willingness to refund some of the fees.  I informed her I would not accept a partial refund.  If she could not offer me a full refund of the fees, then I wanted to talk to someone who could.  Up to the next level, bank manager, she had the authority to refund 8 months of fees which I graciously thanked her for, but still would not accept.  Let me speak to your supervisor if you can’t refund all the fees.  Then I got the regional manager’s number.  I will deal with her Monday morning, but I’m willing to wager that I’ll get all the fees refunded before this is over.  You don’t have to yell.  You don’t have to fuss.  You don’t have to insult those working for minimum wage.  Exhaust the resources of the person you are dealing with and then move up the ladder.  Keep moving until you get someone who has the power to give you what you want.  Of course, sweetly reminding them that you have no problem “exercising your rights under the arbitration clause” accelerates the process.  Subtle threats to complain to the appropriate regulatory body also works well.  If all else fails, let them know you will be contacting the Better Business Bureau.  Conduct yourself with poised professionalism under all circumstances, but remain unrelenting in holding them accountable for their shady business practices.  And yeah, I’m looking at you Chase.CHASE INK

Listing with Craig

The invention of Craigslist has been both a blessing and a curse.  It’s convenient and easy, but also totally unregulated.  Here are five tips for success when using the free online classified.

1)      Describe the item accurately.  When listing an item on Craigslist include all relevant characteristics in your description.  Provide as much detail as possible.  Include the age and origin of the item if known.  Be honest about flaws or damage.2)      Provide recent photos.  As they say, a picture speaks a thousand words, so be sure to include several photos from different angles.  The photos should be recent and well lit.  Be sure to keep any personally identifying clues out of the background of the shot.  The more attractively you display the item, the more interest you will receive.3)      Price realistically.  It is Craigslist people, so don’t be thinking you are going to get retail value out of your item.  If you want to move the item, price it competitively while leaving yourself room to negotiate.  Be prepared to haggle, and don’t take it personally if folks offer you less.  Remember, you can always reject any unreasonable offer.4)      Don’t agree to sell an item on the phone or over email.  The item is not sold until you have cash in hand.  That touches on another important point: only accept cash.  You may feel obligated to accept a check, money order, or Paypal on big ticket items – Don’t.  The scammers will get you with fake cashier’s checks and all kinds of fraudulent bullshit.  Don’t risk it.  If folks want the item, they’ll figure out how to get the cash.  That isn’t your problem.  Ask naive Farrah from Teen Mom; she learned this lesson the hard way.5)      Don’t be a dumbass.  Always speak to the buyer over the phone first to get a feel for how they sound.  Use your intuition.  Whenever possible, meet the buyer away from your residence in a public place.  If you feel sketched, don’t risk it.  Better to be safe than dead.