• Report: #408771

Complaint Review: Arrow Financial

  • Submitted: Tue, January 06, 2009
  • Updated: Mon, January 16, 2012

  • Reported By:Anonymous Alabama
Arrow Financial
5996 Touhy Ave Niles, Illinois U.S.A.

Arrow Financial My original balance was 2200 know arrow has added more money to what I original owed know the balance is $3,000 I refuse to pay this they cannot add more money to the original balance Niles Illinois

*Author of original report: Mabye if employers wouldnt fire people all the time people could pay their bills which is what I been trying to tell people but they accuse me of purposely not paying bills

*Author of original report: I really don't care who doesn't wont anything to do with me people can post any negative things about me and y'all can try to make my life difficult y'all are nothing but mean cold hearted n**i scum

*Author of original report: I really don't care what people think of me they can get anyone agaisnt me they like girls I don't need any friends so I really don't care anymore

*Consumer Comment: Why is it.....

*Author of original report: People can call me a deadbeat all they feel like and say my complaints are bogus and get people agaisnt me

*Author of original report: People can call me a liar deadbeat anything they feel like and get people agaisnt me

*Consumer Suggestion: ALL WRONG!!!! SHE OWES NO EXTRA COLLECTION AGENCY FEES

*Consumer Comment: Had is at the Funplex!

*Consumer Comment: YES !

*Consumer Suggestion: THOUGH I THINK THAT ARROW AND JDBS ARE THE SCUM OF THE EARTH..

*Consumer Comment: That's true

*Consumer Comment: You're kidding !

*Author of original report: People can fight agaisnt me all they feel like

*Author of original report: People can fight agaisnt me all they feel like

*Author of original report: People can fight agaisnt me all they feel like

*Consumer Comment: You and your poor mommy LIE ABOUT EVERYTHING

*Consumer Comment: You and your poor mommy LIE ABOUT EVERYTHING

*Consumer Comment: You and your poor mommy LIE ABOUT EVERYTHING

*Author of original report: I have not lied about anything

*Consumer Comment: But no one IS defending you the scumbag deadbeat.

*Author of original report: Of course people defend these scumbags

*Consumer Comment: Not so

*Author of original report: Arrow are the real thieves

*Consumer Comment: Right

*Consumer Comment: Please!!

*Consumer Comment: Please!!

*Consumer Comment: Please!!

*Consumer Comment: Please!!

*Consumer Suggestion: Question

*Consumer Comment: And don't forget...

*Consumer Comment: Truly

*Consumer Comment: Yes, it is very sad how you act on this site that is for real victims.

*Author of original report: Its sad how people act on this site

*Author of original report: I don't care who Is agaisnt me

*Author of original report: I don't care who Is agaisnt me

*Consumer Comment: I agree

*Consumer Comment: No, it's beacuse you are a thief is why it won't get paid.

*Consumer Comment: What ??

*Author of original report: Arrow Is the ones stealing from people

*Consumer Comment: HAHAHAHA

*Consumer Comment: YOU are the thief and you proved it in this report with your vey own words deadbeat.

*Author of original report: I see stacy had trouble with them

*Author of original report: Arrow nothing but a bunch of theives frauds

*Consumer Comment: They did the same to me!

*Consumer Comment: YOU said YOU weren't going to pay the bill. That makes YOU a deadbeat.

*Consumer Comment: Charles

*Author of original report: Ya'll have alot of nerve

*Consumer Comment: If only...

*Consumer Comment: Charles, Thanx the President You Elected

*Consumer Comment: What ???

*Author of original report: Why Is It any of ya'lls business anyways

*Consumer Comment: YOU said YOU weren't going to pay the bill. That makes YOU a deadbeat.

*Author of original report: Its unfair to call people deadbeats

*Author of original report: It Is unfair to call people deadbeats

*Author of original report: Of course people blame me for everything

*Author of original report: How do I destroy my own life

*Consumer Comment: YOU destroy your own life.

*Consumer Comment: YOU destroy your own life.

*Consumer Comment: YOU destroy your own life.

*Consumer Comment: YOU destroy your own life.

*Consumer Comment: But you already said you have no intention of paying them deadbeat.

*Consumer Comment: But you already said you have no intention of paying them deadbeat.

*Consumer Comment: But you already said you have no intention of paying them deadbeat.

*Author of original report: Why do people want to destroy my life

*Author of original report: Why do people want to destroy my life

*Author of original report: Why do people want to destroy my life

*Author of original report: Arrow punishes people buy adding interest

*Consumer Comment: Charles

*Consumer Comment: Enough Charlie

*Consumer Comment: But you already said you have no intention of paying them deadbeat.

*Author of original report: Arrow can add there stupid interest

*Consumer Comment: But you already said you have no intention of paying them deadbeat.

*Author of original report: Arrow will just have to wait for their money

*Consumer Comment: FYI

*Author of original report: How would you like being called a deadbeat

*Consumer Comment: Is this a Golden Girls episode here?

*Consumer Comment: WRONG !!

*Consumer Comment: Why do you continue to lie?

*Author of original report: How are you suppose to pay when you have lost your job

*Author of original report: I just let god deal with you people

*Consumer Comment: Then, Charles, by all means...

*Author of original report: To atlanta guy

*Consumer Comment: Oh,well

*Author of original report: People do not know our situation

*Author of original report: To Striderq

*Consumer Comment: Way to go David in Beaverton

*Consumer Comment: Way to go David in Beaverton

*Consumer Comment: Way to go David in Beaverton

*Consumer Comment: Seems like...

*Consumer Comment: Seems like...

*Consumer Comment: Seems like...

*Consumer Comment: Seems like...

*Author of original report: People have alot of nerve

*Author of original report: People have alot of nerve

*Consumer Suggestion: Collection agencies have no power other than fear and intimidation.

*Consumer Comment: Your lies really need to stop lying deadbeat.

*Author of original report: John never mentions about how businesses fraud or scam us

*Author of original report: Who Is this prissy person

*Author of original report: I don't deserve this

*Consumer Comment: Which lie is it now deadbeat?

*Author of original report: I just hope all you are happy

*Author of original report: I just hope all you are happy

*Author of original report: I just hope all you are happy

*Author of original report: I just hope all you are happy

*Author of original report: People forget about the accident that happend 3 years ago

*Author of original report: I am keeping a record

*Consumer Comment: Yes, Charles

*Consumer Comment: Charles and his infinite wisdom

*Consumer Comment: And yet you have not posted one shred of evidence to support your lies.

*Author of original report: John Is the pathological liar

*Consumer Comment: Identifying a Pathological Liar

*Consumer Comment: Charles ..........

*Author of original report: Arrow hasn't learned from the lawsuit filed agaisnt them

*Consumer Comment: Answer the legitimate questions deadbeat.

*Consumer Comment: Charles, I have a question

*Consumer Comment: Charles, I have a question

*Consumer Comment: Charles, I have a question

*Consumer Comment: Charles, I have a question

*Consumer Comment: You suffer??

*Author of original report: Stuff happend beyond our control

*Consumer Comment: Charles

*Consumer Comment: Thanks John...

*Consumer Comment: Selective mnodding dtrikes again.

*Author of original report: Who cares what john thinks

*Author of original report: I don't care what people say

*Author of original report: I would be glad to pay this off I had the money

*Consumer Comment: Okay

*Consumer Suggestion: OK SO YOU HAVE NO MONEY

*Consumer Suggestion: I DO NOT WORK FOR ARROW

*Author of original report: I am tired of being screwed

*Consumer Comment: Tell "mommy" to post her own reports

*Consumer Comment: Tell "mommy" to post her own reports

*Consumer Comment: Tell "mommy" to post her own reports

*Consumer Comment: Tell "mommy" to post her own reports

*Consumer Comment: Here's some info without the bad comments.

*Consumer Comment: Here's some info without the bad comments.

*Consumer Comment: Here's some info without the bad comments.

*Consumer Comment: Here's some info without the bad comments.

*Consumer Comment: To Charles *enough about you and your mom already*

*Consumer Comment: You are not your mommy.

*Consumer Comment: You are not your mommy.

*Consumer Comment: You are not your mommy.

*Consumer Comment: You are not your mommy.

*Author of original report: How am I a manipulator

*Consumer Comment: Not so fast Fdcpaviolationswinner

*Consumer Comment: Yes, I agree

*Consumer Comment: Charles and disability/unemployment

*Author of original report: Collection agencies love to punish us during these financial hardtimes

*Consumer Comment: Ain't Karma a b***h Chrarles

*Consumer Comment: LMAO

*Consumer Comment: Really

*Consumer Comment: Say hello to chuckles.

*Consumer Comment: Ahhhh Charles is back

*Consumer Comment: Ahhhh Charles is back

*Consumer Comment: Ahhhh Charles is back

*Consumer Comment: Ahhhh Charles is back

*Author of original report: I am not paying them

*Consumer Comment: MORE BAD NEWS

*Consumer Comment: fees

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Arrow Is committing fraud buy adding more money to the original balance which was $2200 when they bought the account from my credt card. I refuse to pay this.

Know arrow Is reporting I owe $3,000 to my credit files they are trying to take advantage of me. This violates the fair dept credit reporting act. I still have there first collection letter.

Arrow also fraudulently checking my credit report to. I complained about It they told me they had a permissible to check my credit report. After learning from this site they can't do It, Its a fraudulent inquiry.

They are messing with my life & my credit report. Arrow Is the second worst violators next to nco financial .of the fair dept credit reporting act. I have saved all letters from them which Is all lies If this goes to court one day.

Arrow is not getting anymore of my money only what I borrowed from the credit card company. I am not paying the extra $1,000 they have added to the original balance.

Arrow still thinks they can fool me. I am not paying the extra $1,000.

Anonymous
Anonymous, Alabama
U.S.A.

This report was posted on Ripoff Report on 01/06/2009 02:44 PM and is a permanent record located here: http://www.ripoffreport.com/r/Arrow-Financial/Niles-Illinois/Arrow-Financial-My-original-balance-was-2200-know-arrow-has-added-more-money-to-what-I-ori-408771. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
5Author 154Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Mabye if employers wouldnt fire people all the time people could pay their bills which is what I been trying to tell people but they accuse me of purposely not paying bills

AUTHOR: Charles - (USA)

Mabye if employers wouldnt fire people for no reason. People could pay their bills.
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I really don't care who doesn't wont anything to do with me. People can post any negative things about me and y'all can try to make my life difficult, y'all are nothing but mean cold hearted n**i scum.
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#3 Author of original report

I really don't care what people think of me they can get anyone agaisnt me they like girls I don't need any friends so I really don't care anymore

AUTHOR: Charles - (USA)

I really don't care what people think of me they can get anyone agaisnt me they like girls I don't need any friends so I really don't care anymore.
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#4 Consumer Comment

Why is it.....

AUTHOR: Lawrence - (USA)

That Every Single Time someone writes something negative against the OP, they come back and say "You must work for them"!
get over it already!! I must havde seen this statement 500 times in the few times I've scnned the entries. I jjust don't understand it. PLease - Please try and think of better come-backs!!
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#5 Author of original report

People can call me a deadbeat all they feel like and say my complaints are bogus and get people agaisnt me

AUTHOR: Charles - (USA)

I just would like to point out people can say my complaints are bogus.  Ya'll can also call me a deadbeat,  liar anything you wish.  My mother was In a car accident on 07/26/2006.  Which also caused her to loser her job. But I don't give a d**n anymore what people think.

All people have ever done was try to take my sanity bye lying about me.  And this goes for everyone who has,   made a bad comment about me In this report.  Its also sad that people can treat another human being like this 10 agaisnt 1.

My mother lost her job & was awarded unemployment benefits.  But the unemployment benefits wasn't enough to catch everything up. 

The car was repossessed on 02/2007 everything was just going bad,  because of this accident.  Know 4 years later 07/26/2010 still struggling because of the b***h old bat who caused this accident & all these financial problems.

And people can attack me personall all they feel like because this Is what happend.  Believe It don't believe It.  But people cannot stand It when I point out the truth.  They don't want the truth to be "EXPOSED". 

That Is why people call me a deadbeat,  & say my complaints are bogus.  Don't anyone dare support me that Is a crime. 

It just proves to show how corrupt things are these days.  And what great links people go threw to "SHUT YOU UP".

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#6 Author of original report

People can call me a liar deadbeat anything they feel like and get people agaisnt me

AUTHOR: Charles - (USA)

People can call me a liar,  deadbeat,  anything they feel like my mother was In a car accident on 07/26/2006 & was hurt bad.  Because the other driver pulled out Infront of my mother & my mother could not stop,  there was a withness to the accident.

My mother was rushed to the emergency room there was almost $4,000 worth of damange just to the front of the vehicle.  I have tired to explain this before but people,  just want to harass me.  My mother also lost her job because of this.

7 months after the accident 02/2007 vehicle got repossesed.  Because the only income my mother was receiving was unemployment.  I don't think Its fair for arrow to add on these interest.

Arrow has recently made a settlement offer of $650,   4 years later 07/26/2010 still struggle to make ends meet.  From this terrible accidents.  I also have the "Police Report".  Because all people do Is call me a liar or deadbeat.

I really don't care If they don't believe my mother had a accident,  4 years ago.  People just want to make me look bad.  Then my mother had problem with her jobs & was only on unemployment.  Which wasn't enough to catch everything up.

Why should we have to pay the price because of someone else carelessness.   But all people want to do Is put me down call me a liar & deadbeat.  To "RUIN" my "GOOD NAME".  And get people agaisnt me!.

Why do bad things always happend to me! I am a good person I don't bother anyone.  But all people want to do Is bully me & pick on me.  But I have no anger or bitterness agaisnt them.  Because this situation wasn't my mothers fault.

It was because of a careless driver who caused all these problems.  And all people want to do Is make my life unpleasant & miserable as much they can.

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#7 Consumer Suggestion

ALL WRONG!!!! SHE OWES NO EXTRA COLLECTION AGENCY FEES

AUTHOR: Wyoguy - (U.S.A.)

It is illegal per federal FDCPA laws enacted by the US Supreme Court to "grossly inflate a consumer debt" by any collection agency with their fees and charges. Sweatheart...you owes what you originally owe when it was charged off, nothing more. THAT IS the law. If they say otherwise report them to their state AG, the comptroller of the currency, FTC for consumer right violations and consult a local pro-bono attorney or other attorney advise on state laws in your state to sue. Come share your story with us at onenationunites.com. We are new, fresh and fully support the American citizen against collection predators. We are well versed in collection case law and I personally have won many cases against collection agencies like this one. Big hugs. Go get em...
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#8 Consumer Comment

Had is at the Funplex!

AUTHOR: Stacey - (U.S.A.)

Great responses!!!!!!!!!!
So Chuckie - where are those incident/occurrence reports about mommy's slip and and fall?????
What is the name of your "Lawyer" so we can all be sure and keep tabs on this exciting trial!!!!
OHH and how bout that Safeco incident - they took all your money!!!!
Hummmm - I put my truck in the shop due to an weather related accident and Safeco paid!!
Your reports are bogus, your responses are ignorant and YOU and MOMMY are the scam artists
Just like Sandee and Kenneth Kimes (maybe wrong on that name)
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#9 Consumer Comment

YES !

AUTHOR: Diogenes - (U.S.A.)

You are exactly right, Sherri. But, then, Chuckie has been told this time and again. As you said, if he can't blame someone else for his own screw ups, then he refuses to comment or changes the subject. And, Charles, that's exactly what you are - one big walking screw up. As stated before, you can't spell, you can't read, you can't hold a job....you're nothing but a skid mark left on the sheets of life.
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#10 Consumer Suggestion

THOUGH I THINK THAT ARROW AND JDBS ARE THE SCUM OF THE EARTH..

AUTHOR: Sherri - (U.S.A.)

I can't support you on this, because again, Charles, you lied from the very beginning in pretending again to be your mother. Being that your mother can't keep a job, she should have plenty of time to post her own gripes and complaints (and we would hope that her spelling and grammar would be somewhat more coherent).

The problem everyone has with you, Chuckles, is that NOTHING, and I do mean NOTHING, IS EVER YOUR FAULT. Believe it or not, most companies, government agencies, and individuals are far too busy to sit and conspire against you and your "poor, misunderstood" mother. The world doesn't owe either of you a damned thing. Whining and bitching on an internet website about how the world is out to get you doesn't solve your innumerable problems. Again, as I have said to you time and time and time again, the common denominator in all of these problems/conspiracies to get you is YOU (and mommy).

We are all tired of hearing your "I will fight, blah-blah-blah", "I will sue", knowing damned well that you won't. Actually doing so would be doing something to help yourself, which is against your nature. You prefer to blame others for "keeping us down" and using it as an excuse instead of actually DOING SOMETHING ABOUT IT.

And you wonder why you have ZERO credibility?
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#11 Consumer Comment

That's true

AUTHOR: Lorenzen - (U.S.A.)

No one is attacking you. The only things that have been said are exactly what YOU have stated about yourself and your mommy in previous posts. You have told us that you do not pay your bills, that you can't drive properly, that you continuously get into disputes with people and businesses and government agencies....the list goes on and on. Be a man, Charles and stop whining on this site. You only prove what an inmature little boy you are with each post you make.
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#12 Consumer Comment

You're kidding !

AUTHOR: Diogenes - (U.S.A.)

Expose WHAT wrongs ???? In all of your posts, there is NOTHING that has been done wrong either against you or your scamming mommy. The only things you have exposed are: that you have no grip on reality, and that you and your mommy are the biggest scammers in the State of Alabama. How many people have to tell you this before you realize that it's the truth ????????
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#13 Author of original report

People can fight agaisnt me all they feel like

AUTHOR: Charles - (U.S.A.)

People can fight agaisnt me all they feel like. But I will continue to expose the wrongs that Is being done.
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#14 Author of original report

People can fight agaisnt me all they feel like

AUTHOR: Charles - (U.S.A.)

People can fight agaisnt me all they feel like. But I will continue to expose the wrongs that Is being done.
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#15 Author of original report

People can fight agaisnt me all they feel like

AUTHOR: Charles - (U.S.A.)

People can fight agaisnt me all they feel like. But I will continue to expose the wrongs that Is being done.
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#16 Consumer Comment

You and your poor mommy LIE ABOUT EVERYTHING

AUTHOR: Stacey - (U.S.A.)

You and your poor mommy lie, cheat, steal and then blame everyone and everything for your own doing
There is no Government or Business conspiracy against you or poor mommy - I cannot speak for the other posters but I do not work for ANY person or business that you have posted lies about not in your OWN name but poor mommy's - that is called HEARSAY idiot
Proof - I want proof ie - documents regarding your mother's injuries in this so called "slip and fall" (incident report, occurrence report - all hospitals/nursing homes/convalescent centers MUST make reports due to OSHA and JCAHO guidelines)
OHHHH forget that - You have no money to hire an attorney which in turn you have NOOO money to get copies of all the pertinent information
Good luck - no case here
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#17 Consumer Comment

You and your poor mommy LIE ABOUT EVERYTHING

AUTHOR: Stacey - (U.S.A.)

You and your poor mommy lie, cheat, steal and then blame everyone and everything for your own doing
There is no Government or Business conspiracy against you or poor mommy - I cannot speak for the other posters but I do not work for ANY person or business that you have posted lies about not in your OWN name but poor mommy's - that is called HEARSAY idiot
Proof - I want proof ie - documents regarding your mother's injuries in this so called "slip and fall" (incident report, occurrence report - all hospitals/nursing homes/convalescent centers MUST make reports due to OSHA and JCAHO guidelines)
OHHHH forget that - You have no money to hire an attorney which in turn you have NOOO money to get copies of all the pertinent information
Good luck - no case here
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#18 Consumer Comment

You and your poor mommy LIE ABOUT EVERYTHING

AUTHOR: Stacey - (U.S.A.)

You and your poor mommy lie, cheat, steal and then blame everyone and everything for your own doing
There is no Government or Business conspiracy against you or poor mommy - I cannot speak for the other posters but I do not work for ANY person or business that you have posted lies about not in your OWN name but poor mommy's - that is called HEARSAY idiot
Proof - I want proof ie - documents regarding your mother's injuries in this so called "slip and fall" (incident report, occurrence report - all hospitals/nursing homes/convalescent centers MUST make reports due to OSHA and JCAHO guidelines)
OHHHH forget that - You have no money to hire an attorney which in turn you have NOOO money to get copies of all the pertinent information
Good luck - no case here
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#19 Author of original report

I have not lied about anything

AUTHOR: Charles - (U.S.A.)

I have not lied about anything. Ya'll have told this to every person who has filed a complaint on this site.


We all know these businesses have sent you here to try to make us look bad, & try to disredit our reports. Well guess what Its not going to work!.
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#20 Consumer Comment

But no one IS defending you the scumbag deadbeat.

AUTHOR: John - (U.S.A.)

'Arrow are the real thieves'

>> What exactly did they steal?

'Arrow are the real thieves .'

>> Just because you type a lie twice doesn't make it come true.

'Making peoples lives more hard & difficult to live.'

>> And what proof do you have of this lie?

'Because they are adding interest.'

>> Which they are allowed to do by law. Do research before making believe you know what you are talking about fraud.

'And making It difficult to pay down their balance.'

>> But you are not even trying or going to try as stated by your very own words on this very report.
You are the definition of a deadbeat.
Every time you turn the computer on, you are committing fraud as the money for the computer that you do not need and the internet connection that you do not need could be used to pay the people/companies you are trying to beat out of money.
When are you actually going to go out and get a job?


'Of course people defend these scumbags'

>> No, no one is defending you.

'Of course people defend these scumbags, but when I write a complain well look @ the abusive comments they send to me.'

>>Again, no, no one is defending you and exposing your lies and fraud are not 'abusive comments' no matter how hard you try to make it so.


'Arrow Is scum.'

>> When did you change your name to Arrow?


'My mother lost her job last year 2008.'

>> And who gives a s**t. YOU are the deadbeat that owes money and have stated plain as day that you are nto going to pay it.

'Because she had an slip & fall accident.'

>> Again, who gives a s**t about another of your failed scam 'stories'?

'This has been explained to arrow.'

>> But who gives a s**t. Pay your bill scumbag.

'This Is why this bill can't be paid.'

>> No, your refusal to go out and get a job and paying your bills is why they do not get paid. You stated tight here that you are not going to pay them deadbeat.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?

I know you can't answer these because you would then have to admit you are a lying fraud.
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#21 Author of original report

Of course people defend these scumbags

AUTHOR: Charles - (U.S.A.)

Of course people defend these scumbags, but when I write a complain well look @ the abusive comments they send to me.


Arrow Is scum.


My mother lost her job last year 2008. Because she had an slip & fall accident.

This has been explained to arrow. This Is why this bill can't be paid.
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#22 Consumer Comment

Not so

AUTHOR: Diogenes - (U.S.A.)

YOU are the thief !! By refusing to pay, you are stealing from this company. And just WHAT makes you think anyone actually cares about you or your whining drivel ???
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#23 Author of original report

Arrow are the real thieves

AUTHOR: Charles - (U.S.A.)

Arrow are the real thieves . Making peoples lives more hard & difficult to live. Because they are adding interest.

And making It difficult to pay down their balance.
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#24 Consumer Comment

Right

AUTHOR: SocratesAL - (U.S.A.)

Oh, so sorry ! I forgot about mommy's car being "stolen" by the bank. Oh, well, Chuckie, maybe you can just set the computer out in the street and let one of your neighbors run over it - you know - the neighbors who are always giving you grief about something. Then you can call the police and report it. Oh - but the police are against you, too, aren't they. Right - they'll just say it's all YOUR fault for playing with your computer in the street. At least you'll be able to file a claim on your insurance. Oh, wait - the insurance companies AND the Commissioner are plotting against you, too. Gee, Chuckie, you're just out of luck, huh ?
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#25 Consumer Comment

Please!!

AUTHOR: Stacey - (U.S.A.)

Mommy has no car - it was "stolen" by SunTrust bank for being only 2 months behind - Oh the horror!!!!!!
I would say grow up but that boat left the harbor a lonnnnggg time ago
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#26 Consumer Comment

Please!!

AUTHOR: Stacey - (U.S.A.)

Mommy has no car - it was "stolen" by SunTrust bank for being only 2 months behind - Oh the horror!!!!!!
I would say grow up but that boat left the harbor a lonnnnggg time ago
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#27 Consumer Comment

Please!!

AUTHOR: Stacey - (U.S.A.)

Mommy has no car - it was "stolen" by SunTrust bank for being only 2 months behind - Oh the horror!!!!!!
I would say grow up but that boat left the harbor a lonnnnggg time ago
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#28 Consumer Comment

Please!!

AUTHOR: Stacey - (U.S.A.)

Mommy has no car - it was "stolen" by SunTrust bank for being only 2 months behind - Oh the horror!!!!!!
I would say grow up but that boat left the harbor a lonnnnggg time ago
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#29 Consumer Suggestion

Question

AUTHOR: Kim - (U.S.A.)

"Of course people blame me for everything
Of course people blame me for everything nothing new. It just sickens me how can these businesses or landlords get away with ruining peoples lives"


Charles:

Have you ever delt with a company that you were satified with?
That did what they said they would do and completed the job or transaction to your satisfaction?
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#30 Consumer Comment

And don't forget...

AUTHOR: Robert - (U.S.A.)

""why don't you take your computer outside and see how many times you can run over it with your mommy's car ???? Wow !!! That would be FUN !!!!""

And don't forget to file a ripoff report when Mommy's insurance won't pay to buy you a new computer. Don't forget to explain to the world how the insurance company is a ripoff for blaming you for the car driving over the computer.

Oh, the agony of it all. Corrupt insurance companies, banks, police, judges, unemployment boards, and debt collectors.

Thank goodness Obama's gonna fix everything for you chuckie. At the present rate of socializing the US, it won't be long until your entitled to a government factory job (just like the USSR and eastern Europe used to be.) Why, after that, you'll only have to wait 2 years to buy a computer!

(snicker)
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#31 Consumer Comment

Truly

AUTHOR: SocratesAL - (U.S.A.)

As usual, John is exactly right. Chuckie, you've lied too many times for anyone to believe a word you say. Hey - here's a fun idea - why don't you take your computer outside and see how many times you can run over it with your mommy's car ???? Wow !!! That would be FUN !!!!
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#32 Consumer Comment

Yes, it is very sad how you act on this site that is for real victims.

AUTHOR: John - (U.S.A.)

'Its sad how people act on this site.'

>> Just because you repeat it isn't going to make you right.

'Well because of how people have treated me unfair on this site.

>> You've been treated very fair until you were exposed for the lying fraud you are. Here you are, owing people/companies money, and you STILL HAVE NOT sold the computer and cacelled internet access and paid at least one of them.

'I am only going to think of myself & they can just screw themselves.'

>> But that's all you have done anyway.

'I am only going to think of myself, this website wasn't designed to be a internet playground for bullies.'

>> You can't think for yourself and have to steal other people's lines all the time. And you're right, it isn't designed for idiots like yourself to think they can bully legitimate people/companies to get what you want.

'It was suppose to be for consumers to report there bad experinces with businesses,'

>> It is unfortunately, you have had any yet make up stories that you have.

'But instead with get embarassed, called names & being called a liar or fraud.'

>> And these statements have been backed up with fact and your very own words. That's why you can't answer the sinple questions asked of you. You would have to admit to lying.

'Its just sad how these people treat people, who already have problems.'

>> Your being exposed problems are not anyone else's problem.

So, back to the original lies that you can't answer:

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?

I know you can't answer these because you would then have to admit you are a lying fraud.
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#33 Author of original report

Its sad how people act on this site

AUTHOR: Charles - (U.S.A.)

Its sad how people act on this site. Well because of how people have treated me unfair on this site. I am only going to think of myself & they can just screw themselves.

I am only going to think of myself, this website wasn't designed to be a internet playground for bullies.

It was suppose to be for consumers to report there bad experinces with businesses,

But instead with get embarassed, called names & being called a liar or fraud.

Its just sad how these people treat people, who already have problems.
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#34 Author of original report

I don't care who Is agaisnt me

AUTHOR: Charles - (U.S.A.)

Who cares what you agree. Arrow are the real theives.

Arrow are the real frauds & scammers. I don't give a flying f**k who Is agaisnt me either because of what john or what anyone else says.


Why should I give a f**k what, strangers tell me. The longer arrow continues to add interest, the longer It will take to get paid.


I think Its sad how people act on this site, they do not know the posters, & how can they argee when they do not know the whole situation. They do not know anything.


Everyone who has made a comment to me are deadbeats also, cause I bet they have not paid a bill or two.


But I do not have to put up with there crap or abuse. I do not care what strangers think on this site. Or who Is agaisnt me.


I don't care who Is agaisnt me.
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#35 Author of original report

I don't care who Is agaisnt me

AUTHOR: Charles - (U.S.A.)

Who cares what you agree. Arrow are the real theives.

Arrow are the real frauds & scammers. I don't give a flying f**k who Is agaisnt me either because of what john or what anyone else says.


Why should I give a f**k what, strangers tell me. The longer arrow continues to add interest, the longer It will take to get paid.


I think Its sad how people act on this site, they do not know the posters, & how can they argee when they do not know the whole situation. They do not know anything.


Everyone who has made a comment to me are deadbeats also, cause I bet they have not paid a bill or two.


But I do not have to put up with there crap or abuse. I do not care what strangers think on this site. Or who Is agaisnt me.


I don't care who Is agaisnt me.
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#36 Consumer Comment

I agree

AUTHOR: Auburn Guy - (U.S.A.)

The facts speak for themselves on this matter. You took out a loan of some sorts, you failed to pay the loan, now you owe Arrow and STILL refuse to pay the loan. These are you own words. And, YES, it IS legal and proper for Arrow to continue to add interest until the loan is paid. Read the paperwork that YOU signed. If you know of some " invisible " law that states adding interest is illegal, please post it, as the rest of America would love to know about it. We are all waiting with baited breath..
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#37 Consumer Comment

No, it's beacuse you are a thief is why it won't get paid.

AUTHOR: John - (U.S.A.)

You stated it yourself in this very fraudulent report

"Submitted: 1/7/2009 4:25:53 PM
Modified: 1/7/2009 4:59:30 PM
Update
Anonymous
Anonymous, Alabama
U.S.A.
>>>I am not paying them"> You have not proven this lie.

'Arrow are the theives.'

>> Yet you are the one that stole and steal our tax money.

'The reason Its not gonna be paid because, arrow Is adding more money to the balance, & this Is agaisnt the federal trade commission.'

>> No, the reason it's not going to get paid is that you are a deadbeat and have no intention of ever paying it to begin with which makes you a liar. They are allowed to add interest. PLease provide the proof that they are not.

'So read up on the federal trade commission, before spewing your lies again john.'

>> I have but what does this have to do with you being a deadbeat and your lies? Please post what I have lied about. I've been waiting for months now.

'I don't care what strangers say to me on this website.'

>> Yet you continue to lie and do care. Repeatedly posting it is not going to make it come true.

'Arrow Is the real theives buy adding interest making It diffuclt for people to pay there balance off.'

>> But you never had any intention of paying it ever which is the real crime (theft) to begin with. They are allowed to add interest. You better learn to read as you really have a problem doing it.

'This Is also another reason why alot of people don't pay off there depts because of this crap right here.'

>> But what does your crap have to do with other people? Why do you insist on dragging innocent people into your fraud schemes?

'People have alot of nerve calling me a deadbeat or anything else, when they don't know our situations.'

>> We absolutely DO know the situation as I have posted oproof of suchright in this very response.

'They still accuse you of everything.'

>> Only the things that we can prove as we have done.

'Then innocent people like me, get wrongfully accused of stuff.'

>> Why do you lie? You are NOT innocent by any stretch as has been proven, We did not make you steal.

'And these people don't even know me.'

>> We certainly do by your own posted lies and fraud. We did not make you post them.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?

I know you can't answer these because you would then have to admit you are a lying fraud.
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#38 Consumer Comment

What ??

AUTHOR: Diogenes - (U.S.A.)

What would ever lead you to believe that we don't know you or your situation ?? You post every aspect of your life right here for ALL to read !!! There is NOTHING about you and your miserable life that you have NOT posted, Deadbeat. You lie more than any human being I have ever encountered. Get a job and get a life, Deadbeat.
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#39 Author of original report

Arrow Is the ones stealing from people

AUTHOR: Charles - (U.S.A.)

Arrow are the theives. The reason Its not gonna be paid because, arrow Is adding more money to the balance, & this Is agaisnt the federal trade commission.

So read up on the federal trade commission, before spewing your lies again john.

I don't care what strangers say to me on this website. Arrow Is the real theives buy adding interest making It diffuclt for people to pay there balance off.

This Is also another reason why alot of people don't pay off there depts because of this crap right here.

People have alot of nerve calling me a deadbeat or anything else, when they don't know our situations. They still accuse you of everything.

Then innocent people like me, get wrongfully accused of stuff. And these people don't even know me.
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#40 Consumer Comment

HAHAHAHA

AUTHOR: Stacey - (U.S.A.)

Charles calling me a deadbeat - that is too funny
I have a JOB, a home that has a foundation (not one on wheels), a vehicle and I pay my insurance (Safeco remember that??????)
You are just a pathetic waste of space and you cannot even spell my NAME right
When are you going to go away like you posted many many times????
When are you going to start making amends to all the people and your poor MOMMY scammed?
When are you and your poor MOMMY going to stop posting all your lies and take responsibility for your actions
I have the answer to that - NEVER -
John, Laurie and everyone else keep up the good work
Charles and his poor MOMMY will never accept the fact that they are deadbeats who refuse to take responsibility but prefer to blame everyone and everything for their "misfortune"
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#41 Consumer Comment

YOU are the thief and you proved it in this report with your vey own words deadbeat.

AUTHOR: John - (U.S.A.)

You also steal our tax money.
YOU said YOU weren't going to pay the bill. That makes YOU a deadbeat.

Why would mommy have to pay your bill? Or is it mommy's bill, that you would really have no idea about and you are being the fraud you are and posting as her?

YOU destroy your own life.

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#42 Author of original report

I see stacy had trouble with them

AUTHOR: Charles - (U.S.A.)

I see stacy has had trouble with arrow. Sense stacy said she had never been In collection & always paid her bills. Then she calls everyone else a deadbeat.


I read In another arrow report, she has dealt with them. Then she must had fallen behind on her bills. Then she said we deserve every bit of this, & she doesn't know our situation.


Then stacy must be a deadbeat to. I bet all these people calling me a deadbeat has failed to pay a bill or two, then they are deadbeats to.


Arrow has no right to make things harder for people, to add extra interest making It difficult to pay there balance of.


But what do you expect out of thieves & frauds. Arrow scams everyone out of there money, forcing them to pay what they don't even know.


Looks, like arrow didn't learn nothing from there first lawsuit. About abusing people.
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#43 Author of original report

Arrow nothing but a bunch of theives frauds

AUTHOR: Charles - (U.S.A.)

Arrow punishes people buy adding interest. When things couldn't get any worse we know have to put up with these a*******
It Is agaisnt the fair debt credit reporting act, & agaisnt federal trade commission rules.

Even the federal trade commission says they can't add interest, but they do It anyways. Arrow Is nothing but a bunch of theives.

This Is wrong for them to add interest, making It more difficult for people to pay off there debt.

But arrow will get there karma.

But these crooks are allowed to do this to people.

Budhibbs.com don't help people either.
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#44 Consumer Comment

They did the same to me!

AUTHOR: Rac121949 - (U.S.A.)

Arrow Financial did the same thing to me. Original balance was like $250. By the time they were finished I had to pay over $1100. And they still kept it on my credit as unpaid. My company went out of business. As a result I had unpaid debt that originally totalled around $3000 which I could have paid easily but after Arrow and other companied added all their fees/penalties, the debt jumped to almost $20000. I now have to file bankruptcy.
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#45 Consumer Comment

YOU said YOU weren't going to pay the bill. That makes YOU a deadbeat.

AUTHOR: John - (U.S.A.)

Why would mommy have to pay your bill? Or is it mommy's bill, that you would really have no idea about and you are being the fraud you are and posting as her?

YOU destroy your own life.

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#46 Consumer Comment

Charles

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

When people don't pay their bills it affects the businesses. When it affects the companies it also affects the people who DO pay their bills. People who constantly file law suits ALSO affect others (aside from being less likely to win if that comes out). People who don't work when they may be able to and receive government funds affect the rest of us. I'm just generalizing here don't take it personal. Just because something appears to only involves a couple of people does not mean it has no effect on others. Ripple effect.
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#47 Author of original report

Ya'll have alot of nerve

AUTHOR: Charles - (U.S.A.)

You really do not know anything, you do not know me personally. So you have no right to call me a deadbeat. Well naturally people call me a liar. Ya'll call everyone liars who file a complaint on here.

First of all atlanta guy It doesn't bother me If you call me a deadbeat, liar, or scammer because I am nither of these things. People end up In financial hardtimes, but people don't have the right to accuse them of being a deadbeat.

You & others just like to cause us more undue stress, & grievances. Arrow will get paid when we have the money. If you don't like that atlanta guy that Is your & everyone else's problem.

People try to get help on this site, & look what we get In return. We get called liar, & deadbeats & condemned.

Ya'll get In the way of people seeking justice, BTW you can call me a liar, & deadbeat. You do not know me personally so you have no right to call me these things.

Just to get people agaisnt me. And don't try to turn this around to keep the blame of you. And the things you accuse me of. Because they are not true.
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#48 Consumer Comment

If only...

AUTHOR: Striderq - (U.S.A.)

we could trust Charles ti keep his word and not post anymore. However, as in so many other of his baseless complaints, I'm sure he'll be back to whine, cry and lie some more.
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#49 Consumer Comment

Charles, Thanx the President You Elected

AUTHOR: John - (U.S.A.)

Why don't you let the savior that you voted for solve your problem? These type of problems have gotten a lot worse since Obama was elected.

Charles said God is going get those that are against him. what he meant to say was Obama is the savior . charles just remember thatnks to Mr Obama things are going to get a lot worse before they get better
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#50 Consumer Comment

What ???

AUTHOR: Atlanta Guy - (U.S.A.)

Why is this our business ??? Because you posted on a PUBLIC forum, that's why. If you don't want people in your business, then DON'T POST for all to see...Geeezzzz. What a dim wit you are !!!! And, YES, you WILL continue to post, you liar. And, YES, you and mommy ARE deadbeats. And - you say we don't know your situation ???? DUH !!!! You have posted your life history here on ROR for all to read !!!! You have left NOTHING out.... How can we NOT know your situation ??????? Charles - You are a deadbeat, a liar and a scammer. Your own words prove it.
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#51 Author of original report

Why Is It any of ya'lls business anyways

AUTHOR: Charles - (U.S.A.)

Why do ya'll care about It for. Why Is It any of ya'll's business anyways. Just so you can call people deadbeats for no reason.


Why do ya'll have to make this your business, why do ya'll care what bills get paid & don't get paid. Its not yours. And you do not know our situation.


It Is none of your business, and none of you people have no right what so ever to call anyone deadbeats. To just embarass them.


Futhermore I will no longer respond to your idiot question or fasle accusactions.


And I will not update this report when It gets paid either.
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#52 Consumer Comment

YOU said YOU weren't going to pay the bill. That makes YOU a deadbeat.

AUTHOR: John - (U.S.A.)

Why would mommy have to pay your bill? Or is it mommy's bill, that you would really have no idea about and you are being the fraud you are and posting as her?

YOU destroy your own life.

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#53 Author of original report

Its unfair to call people deadbeats

AUTHOR: Charles - (U.S.A.)

It Is unfair to call people deadbeats, these people do not know me. And I have explained our situation that my mother got fired from her job & gotten behind on bills.

My mother had an slip & fall injury while she was working on the job in 11/30/2007. So you can see my mother got very very behind on everything, this does not mean we are deadbeats.

As soon as my mother gets the settlement money everything Is going to be paid off. And no more getting credit cards.

Arrow Is the most difficult collection to deal with, & let me ask this question why Is It any of ya'lls business.

What If I fasely accuse of being a deadbeat, when I didn't know your situation. That doesn't give ya'll the right to, call anyone else a deadbeat either.
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#54 Author of original report

It Is unfair to call people deadbeats

AUTHOR: Charles - (U.S.A.)

It Is unfair to call people deadbeats, these people do not know me. And I have explained our situation that my mother got fired from her job & gotten behind on bills.

My mother had an slip & fall injury while she was working on the job in 11/30/2007. So you can see my mother got very very behind on everything, this does not mean we are deadbeats.

As soon as my mother gets the settlement money everything Is going to be paid off. And no more getting credit cards.

Arrow Is the most difficult collection to deal with, & let me ask this question why Is It any of ya'lls business.
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#55 Author of original report

Of course people blame me for everything

AUTHOR: Charles - (U.S.A.)

Of course people blame me for everything nothing new. It just sickens me how can these businesses or landlords get away with ruining peoples lives.
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#56 Author of original report

How do I destroy my own life

AUTHOR: Charles - (U.S.A.)

How do I destroy my own life. Can anyone please explain how do I destroy my own life. Because I will always blame others for messing my life up.
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#57 Consumer Comment

YOU destroy your own life.

AUTHOR: John - (U.S.A.)

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#58 Consumer Comment

YOU destroy your own life.

AUTHOR: John - (U.S.A.)

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#59 Consumer Comment

YOU destroy your own life.

AUTHOR: John - (U.S.A.)

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#60 Consumer Comment

YOU destroy your own life.

AUTHOR: John - (U.S.A.)

'Why do people want to destroy my life'

>> You really aren't that important to anyone for them to even think about it deadbeat. Get over yourself.

'Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life.'

>> No one cares about you or your life. But YOU try to make it everyone else's business by posting in a public forum. You are not as important as you think you are.

'I think people are sick just waiting around, for the next crisis so they can have a good laugh.'

>> Yes, you are sick to sit around and try to think up a new 'crisis' to try and defraud people and try to get pity from. But, it doesn't seem to work does it.

'It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.'

>> What are you even talking about? You are a proven liar and deadbeat. These feeble attempts to deflect away from that don't work.

'How are we suppose to pay this balance off with arrow adding extra interest making It difficult.'

>> Who is this mythical 'we' you keep throwing out there? YOU are the one that owes money.


- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#61 Consumer Comment

But you already said you have no intention of paying them deadbeat.

AUTHOR: John - (U.S.A.)

You know you aren't going to . You could just by selling the computer and that would solve 2 problems.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#62 Consumer Comment

But you already said you have no intention of paying them deadbeat.

AUTHOR: John - (U.S.A.)

You know you aren't going to . You could just by selling the computer and that would solve 2 problems.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#63 Consumer Comment

But you already said you have no intention of paying them deadbeat.

AUTHOR: John - (U.S.A.)

You know you aren't going to . You could just by selling the computer and that would solve 2 problems.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#64 Author of original report

Why do people want to destroy my life

AUTHOR: Charles - (U.S.A.)

Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life. I think people are sick just waiting around, for the next crisis so they can have a good laugh.

It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.

How are we suppose to pay this balance off with arrow adding extra interest making It difficult.
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#65 Author of original report

Why do people want to destroy my life

AUTHOR: Charles - (U.S.A.)

Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life. I think people are sick just waiting around, for the next crisis so they can have a good laugh.

It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.

How are we suppose to pay this balance off with arrow adding extra interest making It difficult.
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#66 Author of original report

Why do people want to destroy my life

AUTHOR: Charles - (U.S.A.)

Why do people wish for bad things to happen, or people just can't wait for the next crisis In my life. I think people are sick just waiting around, for the next crisis so they can have a good laugh.

It Is wrong to laugh @ people & their troubles, do ya'll get personal pleasure watching others suffer. That Is plain pathetic.

How are we suppose to pay this balance off with arrow adding extra interest making It difficult.
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#67 Author of original report

Arrow punishes people buy adding interest

AUTHOR: Charles - (U.S.A.)

Arrow punishes people buy adding interest, making It difficult for them to pay off the balance during these difficult times.

Arrow Is more crooked then nco. I do not care what people say to me who make comments to my report. They do not know me.
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#68 Consumer Comment

Charles

AUTHOR: Prissy - (U.S.A.)

No, Charles, WE pay OUR debts !! YOU don't. That's why you're a DEADBEAT !! YOU AND YOUR SCAMMING MOMMY DON'T PAY YOUR DEBTS !!!!!! Your life is one big toilet bowl and will never change until you start owning up to your own inadequacies and act like a man instead of a sniveling little baby. GROW UP, Charles.
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#69 Consumer Comment

Enough Charlie

AUTHOR: Newfenoix - (U.S.A.)

I have followed your "career" for some time on this site and it is time that you shut the hell up. You remind me of my ex-wife. She hit our son (he was 11) and broke his glasses which slashed his eye orbit. She then called the police and said that HE HIT HER! She was later diagnosed with "borderline personality disorder." People with the condition will lie, cheat, hurt themselves and do just about anything to get others to feel sorry for them.

I and every other person on this site have gone through hard times. I worked 50 hours a week AND carried an 18 hour semester class load in college at the same time. You might not understand what that actually entails but those folks that have attended college will. I have been shot twice, stabbed and had to have a thumb and ring finger reattached during the course of my life. But not ONCE did I sit back and boo h*o about how hard things were for me. But guess what? I MADE IT!

Remember the son I mentioned? He is now 19 and has a tremor in his right hand because of his mother's abuse. And her? She lives with her mommy in her trailer in Arkansas and sits around on her 400 pound a*s drawing a disability check because, in her words, she can't work. She never did anyway. Oh and she never got in trouble for hitting our son either.

And as for me...After I FINALLY wised up and threw that piece of crap person out of my life, I went from having BAD credit and living with my best friend to OWNING a very nice house in the DFW area. Oh, and finding the most wonderful woman in the world which I married. So Charlie, get a freaking life and stop your d**n lying woe-is-me pity parties because the rest of us are SICK OF YOU!
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#70 Consumer Comment

But you already said you have no intention of paying them deadbeat.

AUTHOR: John - (U.S.A.)

You know you aren't going to . You could just by selling the computer and that would solve 2 problems.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#71 Author of original report

Arrow can add there stupid interest

AUTHOR: Charles - (U.S.A.)

Arrow can add there stupid interest, this Is why people never pay their debt. Because of these abusive collection agencies. And people don't care about their credit.


These collection agencies punish people who are having difficulties trying to pay their bills buy adding interest.


There fore making It more difficultie for people to pay off their debt.
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#72 Consumer Comment

But you already said you have no intention of paying them deadbeat.

AUTHOR: John - (U.S.A.)

You know you aren't going to . You could just by selling the computer and that would solve 2 problems.

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#73 Author of original report

Arrow will just have to wait for their money

AUTHOR: Charles - (U.S.A.)

Arrow will just have to wait for their money, sorry people but money don't grow on trees. That Is all I have to say. You wanna say we are deadbeats then go ahead.
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#74 Consumer Comment

FYI

AUTHOR: Stacey - (U.S.A.)

This is not Chuckie's debt - it is his MOMMY'S debt
She cannot file her own reports so she has her dear son do them for her
Gives you an idea about this lovely family
Charles does not take advice from anyone - he likes to play the victim
I too know how to deal with third party debt collectors but hey Charles does not listen to advice - give it up
Grow up whoops that does not work either - so poor poor pour Charles another drink while he sits on his pitty pot
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#75 Author of original report

How would you like being called a deadbeat

AUTHOR: Charles - (U.S.A.)

How would you like being called a deadbeat, & people not knowing your situation & people judging you & condemning you. How do I know that you haven't defaulted on a loan or credit card.


How would you like being called a deadbeat, If you lost your job that Is being unfair. Well I know I am not a deadbeat, cause people do not know my situation, so they don't have the right to judge or condemn me.


I really do not care anymore, so call me anything you like.
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#76 Consumer Comment

Is this a Golden Girls episode here?

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

To Charles: I told you how to go about defending yourself against bill collectors. Focus on that and learn. Don't play the god card. Jim Bakker played the "god card" and we know how he practiced what he preached by swindling seniors out of millions pocketing money that was allegedly going to Ethiopia.

Folks, can't we stick to the FDCPA and other issues to go about entraping and nailing Arrow from a consumer standpoint? This banter sounds like as my title to this post indicates, a bunch of postmenopausal chicks bickering in a beauty parlor over the most efficient brand of depends.

Once again Chucky. Follow these steps and learn something.Research these topics.

1) Debt Validation Letter

If and when Arrow Sues:

1) General Denial

2) Sworn Denial

3) Discovery
a) Production of documents
b) Requests for admissions
c) Motion to compel

Do some research Chucky. Otherwise, file Chapter 7 and beat it!
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#77 Consumer Comment

WRONG !!

AUTHOR: Atlanta Guy - (U.S.A.)

No, Charles, the ONLY person we call a LIAR is - YOU YOU YOU !!! Why is that ??? Because you ARE a liar. You tell a different story every time you post. And each of us points this out to you with the PROOF !!! But then, you really don't want the truth, do you ???? You have NO PROOF of ANYTHING you post, do you ??? Of course not, because you LIE !!!! We ask and ask and ask for proof from you, and all you do is whine call US liars. Well, all we do is post back what you have previously posted. Therefore, you are only calling yourself a LIAR !!! And, yes, you ARE a deadbeat, too.
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#78 Consumer Comment

Why do you continue to lie?

AUTHOR: John - (U.S.A.)

'I just let god deal with you people'

>> Not that you have any choice but also remember, God will deal with you and mommy for trying to rip people off and lying.

'I just let god deal with you people, ya'll are the ones posting lies about me.'

>> Why do you repeat yourself all the time - especially when you really have NOTHING to say? When are you finally going top post proof of your accusation? I have yetto see anyone post a lie about you.

'You call every poster a liar who post on rip-off report.'

>>Yes, people like you, who post lies that are proven to be so, are called liars. It happens everyday in the outside world also. Who else, who has not been proven too be a liar, has anyone called a liar?

'Sense you wanna call me a liar, so be It.'

>> What does 'sense' have to do with it? And yes, you are a proven liar with your own words. There is no way you can dispute that. YOU typed the words.

'Its amazing ya'll know nothing about me, yet ya'll accuse me of everything so tell me who are the ones that Is lying certainly not me.'

>> You are the proven liar with your own words. How hard is that to understand? We don't have to 'know' you to read the words and lies you type.

'How can ya'll sit their & saying I am lying about this.'

>> Because you ARE and it's been proven.


'You think buy telling me 'Thank God you do not know me', Is suppose to hurt my feelings or offend me well It doesn't.'

>> It certainly does or you wouldn't have mentioned it.

'The best way to get back @ you people Is to ignore you, & I hope you have a good life with many blessing.'

>> What is there to 'get back at'? This seems to be your common theme of all your fraudulent reports. You don't get what you want and have to 'get back' at whoever. If you don't like being exposed, then stop posting your lies and fraud and leave as you have been asked to many many, times.

When are you finally going to ask the legitimate questions asked of you?
- How can you afford to buy a computer to commit your fraud when you allegedly have no money to pay this, or any of your other bills that you refuse to pay?
- How can you afford to have an internet connection to commit your fraud when you allegedly have no money to pay this, or any of your other bills that you refuse to pay?
- How can you afford a car to cause numerous accidents in if you have no money to pay this, or any of your other bills that you refuse to pay?
- How can you afford car insurance on a car to cause numerous accidents in if you have no money to pay this, or any of your other bills that you refuse to pay?
-How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
-Why haven't you paid the people you have owed money to for a long time?
-How can you be buying your panties and dresses off QVC if you have no money?
-When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
-When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
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#79 Author of original report

How are you suppose to pay when you have lost your job

AUTHOR: Charles - (U.S.A.)

My mother got hurt on the job last year, & received workmans comp payments $373 weekly. When people get credit cards they never know when they are going to lose their job.

Or when something unexpected happens, & people want to condemn me on this site & my mother.

Accusing us of defaulting on loans on purpose. But this Is a consequence people have to suffer when they get a credit card.

When you lose your job threw no fault of your own.

And these collection agencies like arrow make our lives more difficult.

And the people on this site want to condemn, condemn, & condemn you.

And fasely accuse you of defaulting on loans.
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#80 Author of original report

I just let god deal with you people

AUTHOR: Charles - (U.S.A.)

I just let god deal with you people, ya'll are the ones posting lies about me.

You call every poster a liar who post on rip-off report. Sense you wanna call me a liar, so be It.

Its amazing ya'll know nothing about me, yet ya'll accuse me of everything so tell me who are the ones that Is lying certainly not me.

How can ya'll sit their & saying I am lying about this.


You think buy telling me "Thank God you do not know me", Is suppose to hurt my feelings or offend me well It doesn't.

The best way to get back @ you people Is to ignore you, & I hope you have a good life with many blessing.
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#81 Consumer Comment

Then, Charles, by all means...

AUTHOR: Striderq - (U.S.A.)

file a lawsuit against me. If you can. You don't have the money to talk to a lawyer so I won't worry about the lawsuit.
No, I do not know you personally, thank God. However, you have been quite proficient in postng reports here to tell everyone about how you and your mother are victims. The problem is Charles, that you tell lies. And then you contradict yourself because you can not remember the lies you have told.
This report is quite simple. You had a credit card, you didn't pay the money owed (for whatever reason). The card company sold the debt to Arrow to recover the money you owed them. Arrow is allowed to add fees and interest to the amount of debt. So yes, you do legally owe them more than the original debt. However, you have no intention of paying them back so why are you crying about how much you owe them.
As far as the economy goes, yes it is hard times for most people. But most people are trying their best to make ends meet. All you do (by your own admissions in your many posts) is set home and whine about how much you and mommy have been victimized. Allow me to help with some financial advice for you in these hard times. Cut all unnecessary expenses. First one I would look at would be your internet. It's an option not a necessity. Take however much of the taxpayer's money your getting that you pay for the internet and pay Arrow. That way you pay your legal debt and we won't be able to pick on you and make you even more of a victim.
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#82 Author of original report

To atlanta guy

AUTHOR: Charles - (U.S.A.)

You don't even know us, didn't you even read what I say no you didn't. You just had to open your pie hole. And no my mother didn't default on purpose.

I am getting tired of being called a deadbeat & people don't even know me, all you want to do Is insult me.


I hope you fall on financial hardtimes a employer fire you for no reason, nothing you say bothers me cause you do not know us.

It does not give ya'll the right to call people deadbeats who you do not know atlanta guy, you all will reap what you sew.

Its funny how people think my we don't pay our bills on purpose & default bills on purpose, you need to get of your high horse atlanta guy.

Things have happend beyond our control, but you don't seem to comprend that do you atlanta guy.


All you wanna do Is call people deadbeats, & accuse peope of not paying their bills on purpose. And accusing them of defaulting on bills on purpose.

People can even make complaints, because of people like you always accusing them of not paying their bills on purpose or calling them deadbeats.


I have been pushed around far to long.
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#83 Consumer Comment

Oh,well

AUTHOR: Atlanta Guy - (U.S.A.)

I'm afraid that you are asking too much of Chuckie. You see, he is all mouth and no action. He has been threatening to sue everyone in Alabama and Georgia for the past several years. All he does is threaten, whine, pout, feel sorry for himself, lie, libel, insult, default on contracts, cause accidents, dodge legitimate questions and generally cause problems. He and his mommy are nothing more than parasites on society and look for every scheme possible to bilk people out of money. What a bunch of deadbeat scumbags these two are !
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#84 Author of original report

People do not know our situation

AUTHOR: Charles - (U.S.A.)

People do not know our situation, & they do not have no right to call anyone a deatbeat when they do not know you or your current situation.

Arrow made a settlement offer. I just hope these people who are judgeing us & calling us deadbeats end up getting fired for no reason & end up In a financial struggle.

Mabye then they would change their tone, & not act like such a smartass & calling people deadbeats.

Or end up In a bad car accident.
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#85 Author of original report

To Striderq

AUTHOR: Charles - (U.S.A.)

To Striderq people have fallen on hardtimes like we have. It was not our fault. So you have no right to call people deadbeats who have fallen on hardtimes.

How would you feel Striderq If people called you a deadbeat, when they do not know your situation. And saying you don't pay your bills on purpose.


It Is not that way @ all here. Well It does not matter that people call me a deadbeat.


It Is also slander to call people you don't even know deadbeats, which can get you sued.

How would you feel If where In financial hardtimes trying to struggle to pay bills.

But abusive comments like that don't help people Striderq.

I just hope all you people who called me a deadbeat end up In this situation & get called deadbeats yourself & see how It feels.

We all would like our bills to be paid, but It does not mean people are deadbeats & you don't have the right to say that to us.

Because sooner or later you will reap what you sew, how you treat people. Good day.
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#86 Consumer Comment

Way to go David in Beaverton

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

Always happy to see educated and informed consumers taking the bull by the horns and entraping these scumbags. Just so Chucky in Alabama doesn't get his panties in a bunch, here's how he can handle his situation. I'll make him work a bit through research but Chuckie, google these words and take it from there if and when Arrow Financial sues you.

1) Sworn Denial

2) Discovery
a) Production of Documents
b) Requests for admissions
c) Motion to Compel

Find out your rules of civil procedure in whatever jurisdiction you reside in Alabama as you will need to properly format #1 and #2 in addition to your answers to Arrow's summons.
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#87 Consumer Comment

Way to go David in Beaverton

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

Always happy to see educated and informed consumers taking the bull by the horns and entraping these scumbags. Just so Chucky in Alabama doesn't get his panties in a bunch, here's how he can handle his situation. I'll make him work a bit through research but Chuckie, google these words and take it from there if and when Arrow Financial sues you.

1) Sworn Denial

2) Discovery
a) Production of Documents
b) Requests for admissions
c) Motion to Compel

Find out your rules of civil procedure in whatever jurisdiction you reside in Alabama as you will need to properly format #1 and #2 in addition to your answers to Arrow's summons.
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#88 Consumer Comment

Way to go David in Beaverton

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

Always happy to see educated and informed consumers taking the bull by the horns and entraping these scumbags. Just so Chucky in Alabama doesn't get his panties in a bunch, here's how he can handle his situation. I'll make him work a bit through research but Chuckie, google these words and take it from there if and when Arrow Financial sues you.

1) Sworn Denial

2) Discovery
a) Production of Documents
b) Requests for admissions
c) Motion to Compel

Find out your rules of civil procedure in whatever jurisdiction you reside in Alabama as you will need to properly format #1 and #2 in addition to your answers to Arrow's summons.
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#89 Consumer Comment

Seems like...

AUTHOR: Striderq - (U.S.A.)

the only person with a lot of nerve is you Charles. You signed a valid contract, accepted the terms of the contract and now want to say the contract is wrong. We don't know you personally, however your many unjustified reports here have proven you to be a deadbeat, a whiner, a complainer, a liar and several other things. If you air your dirty laundry in public, don't be surprised that people will call you on it.
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#90 Consumer Comment

Seems like...

AUTHOR: Striderq - (U.S.A.)

the only person with a lot of nerve is you Charles. You signed a valid contract, accepted the terms of the contract and now want to say the contract is wrong. We don't know you personally, however your many unjustified reports here have proven you to be a deadbeat, a whiner, a complainer, a liar and several other things. If you air your dirty laundry in public, don't be surprised that people will call you on it.
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#91 Consumer Comment

Seems like...

AUTHOR: Striderq - (U.S.A.)

the only person with a lot of nerve is you Charles. You signed a valid contract, accepted the terms of the contract and now want to say the contract is wrong. We don't know you personally, however your many unjustified reports here have proven you to be a deadbeat, a whiner, a complainer, a liar and several other things. If you air your dirty laundry in public, don't be surprised that people will call you on it.
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#92 Consumer Comment

Seems like...

AUTHOR: Striderq - (U.S.A.)

the only person with a lot of nerve is you Charles. You signed a valid contract, accepted the terms of the contract and now want to say the contract is wrong. We don't know you personally, however your many unjustified reports here have proven you to be a deadbeat, a whiner, a complainer, a liar and several other things. If you air your dirty laundry in public, don't be surprised that people will call you on it.
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#93 Author of original report

People have alot of nerve

AUTHOR: Charles - (U.S.A.)

People have alot of nerve. These people do not know me, & what gives them the right to call us deadbeats when they don't know the current situation.

People have alot of nerve, they have a I am better then you attitude & saying we deserve this.


All I have to say Is people have alot of nerve.
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#94 Author of original report

People have alot of nerve

AUTHOR: Charles - (U.S.A.)

People have alot of nerve. These people do not know me, & what gives them the right to call us deadbeats when they don't know the current situation.

People have alot of nerve, they have a I am better then you attitude & saying we deserve this.


All I have to say Is people have alot of nerve.
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#95 Consumer Suggestion

Collection agencies have no power other than fear and intimidation.

AUTHOR: David - (U.S.A.)

As someone who has been dealing with collection agencies for over 10 years, I can sympathize with everyone here. First, I believe those with legitimate debts should work with their creditors to pay them. Having said that, I also have come to realize that collection agencies don't have any real power or authority...to do anything, unless the consumer falls prey to their threats and intimidation tactics (they hope you do!).

As stated above, I've dealt with collection agencies of ALL types for over 10+ years and have made it my goal to deal out some much deserved payback, all legal of course. You'll hear more about this and my program I've developed that's designed to take collection agencies out of the loop for good and may even provide a legal way to have those agencies who filed lawsuits in the past, espeially those who won a judgement via default, pay back the money to the consumer.

Watch the news, papers, etc., for in a short time my program will be felt nationwide.

For the basics, I have this to offer as advice. Never deal with a collection agency, because you don't have to. Soon it will become evident to the creditors that working with a collection agency is bad for business and hey, they'll actually lose money doing it, but make more by working with the consumer. Junk debt buyers...about to become a thing of the past.

More advice, NEVER give a collection agency ANY information about yourself, ESPECIALLY your social security number. Do you know how many convicted criminals work for these types of agencies? (No, not ALL agencies hire them, but some do.) With rise of identity theft, do you really care to take the chance? It's bad enough they have access to your private financial data, which they really have NO authority to have. Keep watching, change is coming.
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#96 Consumer Comment

Your lies really need to stop lying deadbeat.

AUTHOR: John - (U.S.A.)

'John never mentions about how businesses fraud or scam us, he defends them.'

>>Post proof liar....you can't. We've been waiting for it for months now and you can't provide any because it is impossible.

'John & others says posters scam & fraud the business that Is not true.'

>>Post proof deadbeat. We state that you and mommy do as proven in your posts. In your very own words.

'They screw us over.'

>>But nobody has screwed you over as we all have proven time and time again. This is what makes you a lying fraud. YOU are ripping off people and companies. That''s why collection agencies are after you.

'And the businesses get away with there fraud or scam.'

>>Nobody's gotten away with anything but you deadbeat.
>>How can you buy things when you claim to have no money?
>>When are you going to sell the computer and cancel the internet service so you can pay off this debt.
>>You said in this fraudulent report you would if you had the money....I just gave you a way to get the money. But, you are a liar and it won't happen.
>>I'll give you another way to get the money.....sell the vehicle you cause the accidents with and cancel the insurance. That will give you money right there.
>>Sell the panties and dresses you bought off QVC....that will give you the money right there.

When are you finally going to leave like you promised in your fraudulent schneider report? Every second you are still here makes you a liar.
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#97 Author of original report

John never mentions about how businesses fraud or scam us

AUTHOR: Charles - (U.S.A.)

John never mentions about how businesses fraud or scam us, he defends them.

John & others says posters scam & fraud the business that Is not true. They screw us over. And the businesses get away with there fraud or scam.
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#98 Author of original report

Who Is this prissy person

AUTHOR: Charles - (U.S.A.)

Who Is this prissy person, & what gives her the right to talk to me like that. And to stacy who refirred me has white trash. Sorry stacy but you are the real white trash.

And I do not deserve this, & to my last question. I hope & pray that all will end up In this situation. And judgeing people you do not know.

It will come back to each & everyone of ya'll who judge or ridcule people here on rip-off report just because you think you have everything.
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#99 Author of original report

I don't deserve this

AUTHOR: Charles - (U.S.A.)

People love to twist my words around. And to say things I don't even say. Poor companies they get treated so wrong, & they never deserve anything.

This Is why these bad companies get away with what they do to us, because of people like john who defend them.

And yes they do deserve to get back what they dish out john.
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#100 Consumer Comment

Which lie is it now deadbeat?

AUTHOR: John - (U.S.A.)

Now all of a sudden, mommy lost her job because of some auto insurance company? Holy cow, that's hilarious. But also contradicts your lies about it being because of the blacks, raptis, eeoc, etc. You just can't keep any lie straight.

And you are a proven deadbeat by what you have post in this report thus making it truth and not slander. You only do it to yourself and innocent companies/people who do not deserve it.

When are you finally going to leave us like you promised in your fraudulent schneider report? Every minute you are still here proves it was a lie.
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#101 Author of original report

I just hope all you are happy

AUTHOR: Charles - (U.S.A.)

I just hope all you are happy with yourself. For slandering innocent people & defamation of character.

I just hope all slander the wrong person one day mabye that person he/she will have a good lawyer to go after you people.

Have a good day.
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#102 Author of original report

I just hope all you are happy

AUTHOR: Charles - (U.S.A.)

I just hope all you are happy with yourself. For slandering innocent people & defamation of character.

I just hope all slander the wrong person one day mabye that person he/she will have a good lawyer to go after you people.

Have a good day.
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#103 Author of original report

I just hope all you are happy

AUTHOR: Charles - (U.S.A.)

I just hope all you are happy with yourself. For slandering innocent people & defamation of character.

I just hope all slander the wrong person one day mabye that person he/she will have a good lawyer to go after you people.

Have a good day.
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#104 Author of original report

I just hope all you are happy

AUTHOR: Charles - (U.S.A.)

I just hope all you are happy with yourself. For slandering innocent people & defamation of character.

I just hope all slander the wrong person one day mabye that person he/she will have a good lawyer to go after you people.

Have a good day.
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#105 Author of original report

People forget about the accident that happend 3 years ago

AUTHOR: Charles - (U.S.A.)

People forget about the accident that happend 3 years ago. On 07/25/2006.

Auto Owners insured caused all the problems & financial problems, caused my mother to lose her job, when my mother recovered from the accident.

Then she had the slip & fall accident on 11/30/2007. Auto Owners insured caused all these problems.

From this point I am fed up with everything, & I don't care what people say about me anymore.
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#106 Author of original report

I am keeping a record

AUTHOR: Charles - (U.S.A.)

I am keeping a record of all the lies people post about me. So keep It up.

And prissy what makes you think you have the right to say anything. And no I do not scam businesses they scam me.

And stacy you are the white trash who think they are better then, & you think you have job security.

Well nothing what people say about me on this site Is true. So It doesn't bother me, & I am keeping records of peoples lies.

Which keeps building up.
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#107 Consumer Comment

Yes, Charles

AUTHOR: Prissy - (U.S.A.)

You ARE a liar. This has been proven over and over. You post as YOUR MOTHER - that's a lie. You lied about Swift hiring you. You lied about the reason Claude Raptis kicked you and your lying mother out of the house. You lied about the residents of Phenix City and Columbus. As far as I can tell, pretty much every word out of your filthy mouth is a lie.
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#108 Consumer Comment

Charles and his infinite wisdom

AUTHOR: Stacey - (U.S.A.)

YOU are the only liar in each and every post you make on behalf of you poor mommy You and mother have no jobs, no money, no means of support so stop with your idiotic reports You two are the con artists NOT the people you and poor mommy rip off
Grow up - you are in the same league as Robert from Ohio and Fajita girl aka Alice aka Melissa from Orlando - Your posts have no meaning - The only ones that were ripped off is the people you screwed for your own benefit
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#109 Consumer Comment

And yet you have not posted one shred of evidence to support your lies.

AUTHOR: John - (U.S.A.)

'John Is the pathological liar.'

>>Well, go ahead and post the proof I have asked for, for months now. You still have not done so. I have backed up my accusations with the proof of your own words.

' I am getting tired of being called a liar.'

>>Then stop lying. It's just that simple.

'I have not lied about anything.'

>>See, this is a lie right here. I have proven you are.

'This Is why these scumbag garbage businesses get away with screwing us, because of you people.'

>>No business has screwed you. Just because you don't like the facts of life do not make it a rip off. YOU welched on paying a debt. YOU are the bottomfeeding scumbag. You even admit in this very report you have no intention pf paying this debt thus making you a deadbeat. It has nothing to do with anyone else but you. These are your very own words. We did not make you type them.

'Ya'll can call me a liar & tell me I am making up false reports. Because I don't care anymore.'

>>We will because you do and we have proven it with your very own words.
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#110 Author of original report

John Is the pathological liar

AUTHOR: Charles - (U.S.A.)

John Is the pathological liar. I am getting tired of being called a liar. I have not lied about anything.

This Is why these scumbag garbage businesses get away with screwing us, because of you people.

Ya'll can call me a liar & tell me I am making up false reports. Because I don't care anymore.
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#111 Consumer Comment

Identifying a Pathological Liar

AUTHOR: Laurie - (U.S.A.)

Pathological liars, or "mythomaniacs," may be suffering from histrionic personality disorder or narcissistic personality disorder. The following comments basically reflect a pathological liar who has the characteristics of histrionic personality disorder.

Some characteristics:

1. Exaggerates things that are ridiculous.

2. One-upping. Whatever you do, this person can do it better. You will never top them in their own mind, because they have a concerted need to be better than everyone else. This also applies to being right. If you try to confront an individual like this, no matter how lovingly and well-intentioned you might be - this will probably not be effective. It's threatening their fantasy of themselves, so they would rather argue with you and bring out the sharp knives than admit that there's anything wrong with them.

3. They "construct" a reality around themselves. They don't value the truth, especially if they don't see it as hurting anyone. If you call them on a lie and they are backed into a corner, they will act very defensively and say ugly things (most likely but depends on personality), but they may eventually start to act like, "Well, what's the difference? You're making a big deal out of nothing!" (again, to refocus the conversation to your wrongdoing instead of theirs).

4. Because these people don't value honesty, a lot of times they will not value loyalty. So watch what you tell them. They will not only tell others, but they will embellish to make you look worse. Their loyalty is fleeting, and because they are insecure people, they will find solace in confiding to whomever is in their favor at the moment.

5. They may be somewhat of a hypochondriac. This can come in especially useful when caught in a lie, for example, they can claim that they have been sick, or that there's some mysteriously "illness" that has them all stressed out. It's another excuse tool for their behavior.

6. Obviously, they will contradict what they say. This will become very clear over time. They usually aren't smart enough to keep track of so many lies (who would be?).

Here are some ways to tell someone is a pathological liar contributed by another WikiAnswers Contributor:


They lie about even the smallest things. For example, saying "I brushed my teeth today," when they didn't.

They add exaggerations to every sentence.

They change their story all the time.

They act very defensively when you question their statements.

They believe what they say is true, when everyone else knows it isn't.
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#112 Consumer Comment

Charles ..........

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Don't you think it was pretty generous of them to make a settlement offer of less than half? What if one of their employees doesn't even have enough now to pay for their house, car, utility, food, or internet all becuse you guys didn't pay your bills? Are you trying to punish other 'innocent' people when you bail on your obligations? Would you be 'punishing' someone else if you asked for money they owed you? Last question. Freudian slip > But these collection agencies love to punish us for things that are not beyond our control.< or a typo?
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#113 Author of original report

Arrow hasn't learned from the lawsuit filed agaisnt them

AUTHOR: Charles - (U.S.A.)

Arrow hasn't learned from the lawsuit filed agaisnt them. The attorney general filed a lawsuit agaisnt them 01/2007. They are still up to there dirty tricks.

Has we don't have enough to worry about already, these garbage scumbags have to make things worse during these hard economic times.

While these banks get bailed out & have parties with there bailout money we are suffering.

Arrow made a settlement offer for less then half. There Is only enough money to pay the house payment, car payment, & utilities & food.

Those are the most important things we have to pay to have a place to leave & a car to drive.

I am thankful I still have a roof over my head. That does not give people the right to call me a deadbeat. Believe me I wish all bills where paid.

But these collection agencies love to punish us for things that are not beyond our control.
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#114 Consumer Comment

Answer the legitimate questions deadbeat.

AUTHOR: John - (U.S.A.)

Selective modding strikes again.

While people post the truth and ask legitimate questions, their posts do not get posted. Yet, someone on another site swears this doesn't happen. Fascinating. Yet the proven fraud gets to post his crap ad nauseum.

Anyway, time to clear up a few more lies.

'I don't care what people say'

>>Well, yeah you do as you are exposed for the fraud you are.

'They can sling all the hateful & abusive comments call me a deadbeat or anything.'

>>But no one has done any of this. All that has been done is posted FACT.

'They have alot of nerve judging somebody they don't even know.'

>>People are judging by the lies you have posted over and over on this site. You allege in this very fraudulent report right here that you have no money. Yet in this report:
http://www.ripoffreport.com/reports/0/415/RipOff0415937.htm

You cry about a card being canceled.
How can you have a credit card when you have no money?
How can you have a computer and internet access to perpetrate your fraud when you claim you have no money?
It cost money to have and operate these things, yet you welch on all your bills.
In other words, you are a deadbeat by your very own words.

'I really don't care anymore.'

>>Well, yeah you do. So much so that you even cry at night about it.

'They don't know our situation yet people accuse us everything In the book & they don't even know me.'

>>Well, which situation would that be? The one where you allegedly have no money and can't pay your debts or the one where you have money - enough to have a car, insurance, computer, internet, buying panties and dresses off QVC? Which 'situation' is the lie deadbeat? One of them HAS to be. There is no way around it.

'I am just made this report about how difficult arrow Is, I am not ya'lls punching bag.'

>>No one's using you for one. Just pointing out your lies. You typed them ....we didn't.

'I just hope ya'll end up In bad situation threw things beyond your control, & these banks & collection agencies having parties with the bailout money.'

>>I don't know why you'd say 'hurtful' things about people you don't know that and you falsely accuse others of doing....but that's what you do anyway.

'While people are suffering, they even try to take away our internet which Is the only thing we have. I am thankful to have anything.'

>>When you have no money to pay the bills you already tried to beat people out of, the money for the computer and internet as well as the car you keep causing accidents with should go to paying your bills deadbeat.

'Who cares what john thinks'

>>Those that seek the truth like Stacey, Laurie, Robert, Steve, the list goes on.

'Who cares what john thinks or what anyone else thinks, I hope & pray they end up In our situation beyond there control.'

>>Why do you repeat yourself all the time? I have proven it does not make it come true.

'They lose there jobs or get injured on the job.'

>>You've never had a job so you could never have gotten injured on a job so stop lying.

'Then they will be singing a different tune & will not be making fun of others In bad financial or with any other problems.'

>>Not really. We pay our bills and don't steal like you do.

'Because they will reap what they saw.'

>>What is this tripe?

'I don't care what anyone says about me on this site.'

>>Why do you keep repeating this lie?

'Rip-off report Is a playground on the internet for bullies.'

>>Post proof please. Then go away like you promised. The only 'bully' her is you with your fraudulent reports hoping some company will panic and give you money to shut up. But, you have been proven to be a lying fraud so they won't have to worry.

'Arrow has made a settlement offer for half of what Is really owed, & It will be paid has soon my mother gets another job.'

>>Now all of a sudden another 'settlement' has been offered out of the blue....then it will be not offered....then it will be offered again.....
>You already stated you have no intention of paying this. why would you have to wait for mommy to pay YOUR bill? Sell the computer, the car you cause all the accidents with, cancel the insurance and internet and pay the bill deadbeat.

>>YOU ARE NOT YOUR MOMMY SO POSING AS HER AND PRETENDING TO KNOW ANYTHING ABOUT HER SITUATION MAKES YOU A FRAUD.
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#115 Consumer Comment

Charles, I have a question

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Worth a try. Why is it that you always assume that the people responding to you haven't ever had 'hard times'? Through circumstances beyond their control or not. Most of us probably have in one way or another, and chose to handle it differently and do what we could to correct the situation. And alot of us didn't have ANY sort of money coming in to rely on other than what we could go out and earn on our own. ANY (legal :-) way we had to do it, until things got better. Why is it you seem to think no one else has ever 'been in your shoes' and had 'hard times', if they don't quite see it your way?
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#116 Consumer Comment

Charles, I have a question

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Worth a try. Why is it that you always assume that the people responding to you haven't ever had 'hard times'? Through circumstances beyond their control or not. Most of us probably have in one way or another, and chose to handle it differently and do what we could to correct the situation. And alot of us didn't have ANY sort of money coming in to rely on other than what we could go out and earn on our own. ANY (legal :-) way we had to do it, until things got better. Why is it you seem to think no one else has ever 'been in your shoes' and had 'hard times', if they don't quite see it your way?
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#117 Consumer Comment

Charles, I have a question

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Worth a try. Why is it that you always assume that the people responding to you haven't ever had 'hard times'? Through circumstances beyond their control or not. Most of us probably have in one way or another, and chose to handle it differently and do what we could to correct the situation. And alot of us didn't have ANY sort of money coming in to rely on other than what we could go out and earn on our own. ANY (legal :-) way we had to do it, until things got better. Why is it you seem to think no one else has ever 'been in your shoes' and had 'hard times', if they don't quite see it your way?
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#118 Consumer Comment

Charles, I have a question

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Worth a try. Why is it that you always assume that the people responding to you haven't ever had 'hard times'? Through circumstances beyond their control or not. Most of us probably have in one way or another, and chose to handle it differently and do what we could to correct the situation. And alot of us didn't have ANY sort of money coming in to rely on other than what we could go out and earn on our own. ANY (legal :-) way we had to do it, until things got better. Why is it you seem to think no one else has ever 'been in your shoes' and had 'hard times', if they don't quite see it your way?
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#119 Consumer Comment

You suffer??

AUTHOR: Stacey - (U.S.A.)

You do not work - You mother has yet to file her own reports
SO who are we to believe?? Not you!
You have no legal leg to stand in regards to allllllllllll your idiotic posts
Poor Mommy can't use a computer to file her OWN complaints??????
Grow up Charles - John is RIGHT and you are nothing but a dead beat trying to scam anyone and eveyone you can
Oh Yes Arrow is one the worst third party collection agencies
I would generally help an individual who has been screwed by these vultures but as far as I am concerned you deserve each other
Eye for and Eye
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#120 Author of original report

Stuff happend beyond our control

AUTHOR: Charles - (U.S.A.)

Its not like my mother Is refusing to pay this. Just don't have the money but things happend beyond our control. That doesn't make someone a deadbeat.

Who likes to be In dept. nobody but things happen beyond our control, which Is why we all get behind paying our bills.

And people on this site rush to judgement calling everyone deadbeats.
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#121 Consumer Comment

Charles

AUTHOR: Diogenes - (U.S.A.)

You ask " Who cares what John thinks ? " WE ALL CARE WHAT JOHN THINKS ! It's YOU who we don't care for. You can't even keep your own lies straight. Get a job, you sorry deadbeat. At least your mommy emptied bed pans in between scams. Oh - I forgot - you don't play well with others ( kicked out of high school special ed. class, fired from the only job you ever held, harrassed by other drivers, taken advantage of by EVERYONE ). Geeeezzzzzz. As John said - sell your computer, cut off your internet service and PAY YOUR BILLS, DEADBEAT !!!!!
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#122 Consumer Comment

Thanks John...

AUTHOR: Robert - (U.S.A.)

I thought I was the only one who had those same thoughts..
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#123 Consumer Comment

Selective mnodding dtrikes again.

AUTHOR: John - (U.S.A.)

While people post the truth and ask legitimate questions, their posts do not get posted. Yet, someone on another site swears this doesn't happen. Fascinating. Yet the proven fraud gets to post his crap ad nauseum.

Anyway, time to clear up a few more lies.

'I don't care what people say'

>>Well, yeah you do as you are exposed for the fraud you are.

'They can sling all the hateful & abusive comments call me a deadbeat or anything.'

>>But no one has done any of this. All that has been done is posted FACT.

'They have alot of nerve judging somebody they don't even know.'

>>People are judging by the lies you have posted over and over on this site. You allege in this very fraudulent report right here that you have no money. Yet in this report:
http://www.ripoffreport.com/reports/0/415/RipOff0415937.htm

You cry about a card being canceled.
How can you have a credit card when you have no money?
How can you have a computer and internet access to perpetrate your fraud when you claim you have no money?
It cost money to have and operate these things, yet you welch on all your bills.
In other words, you are a deadbeat by your very own words.

'I really don't care anymore.'

>>Well, yeah you do. So much so that you even cry at night about it.

'They don't know our situation yet people accuse us everything In the book & they don't even know me.'

>>Well, which situation would that be? The one where you allegedly have no money and can't pay your debts or the one where you have money - enough to have a car, insurance, computer, internet, buying panties and dresses off QVC? Which 'situation' is the lie deadbeat? One of them HAS to be. There is no way around it.

'I am just made this report about how difficult arrow Is, I am not ya'lls punching bag.'

>>No one's using you for one. Just pointing out your lies. You typed them ....we didn't.

'I just hope ya'll end up In bad situation threw things beyond your control, & these banks & collection agencies having parties with the bailout money.'

>>I don't know why you'd say 'hurtful' things about people you don't know that and you falsely accuse others of doing....but that's what you do anyway.

'While people are suffering, they even try to take away our internet which Is the only thing we have. I am thankful to have anything.'

>>When you have no money to pay the bills you already tried to beat people out of, the money for the computer and internet as well as the car you keep causing accidents with should go to paying your bills deadbeat.

'Who cares what john thinks'

>>Those that seek the truth like Stacey, Laurie, Robert, Steve, the list goes on.

'Who cares what john thinks or what anyone else thinks, I hope & pray they end up In our situation beyond there control.'

>>Why do you repeat yourself all the time? I have proven it does not make it come true.

'They lose there jobs or get injured on the job.'

>>You've never had a job so you could never have gotten injured on a job so stop lying.

'Then they will be singing a different tune & will not be making fun of others In bad financial or with any other problems.'

>>Not really. We pay our bills and don't steal like you do.

'Because they will reap what they saw.'

>>What is this tripe?

'I don't care what anyone says about me on this site.'

>>Why do you keep repeating this lie?

'Rip-off report Is a playground on the internet for bullies.'

>>Post proof please. Then go away like you promised. The only 'bully' her is you with your fraudulent reports hoping some company will panic and give you money to shut up. But, you have been proven to be a lying fraud so they won't have to worry.

'Arrow has made a settlement offer for half of what Is really owed, & It will be paid has soon my mother gets another job.'

>>Now all of a sudden another 'settlement' has been offered out of the blue....then it will be not offered....then it will be offered again.....
>You already stated you have no intention of paying this. why would you have to wait for mommy to pay YOUR bill? Sell the computer, the car you cause all the accidents with, cancel the insurance and internet and pay the bill deadbeat.
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#124 Author of original report

Who cares what john thinks

AUTHOR: Charles - (U.S.A.)

Who cares what john thinks or what anyone else thinks, I hope & pray they end up In our situation beyond there control. They lose there jobs or get injured on the job.

Then they will be singing a different tune & will not be making fun of others In bad financial or with any other problems. Because they will reap what they saw.

I don't care what anyone says about me on this site. Rip-off report Is a playground on the internet for bullies.

Arrow has made a settlement offer for half of what Is really owed, & It will be paid has soon my mother gets another job.
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#125 Author of original report

I don't care what people say

AUTHOR: Charles - (U.S.A.)

I don't care what people say. They can sling all the hateful & abusive comments call me a deadbeat or anything. They have alot of nerve judging somebody they don't even know.

I really don't care anymore. They don't know our situation yet people accuse us everything In the book & they don't even know me.

I am just made this report about how difficult arrow Is, I am not ya'lls punching bag.

I just hope ya'll end up In bad situation threw things beyond your control, & these banks & collection agencies having parties with the bailout money.

While people are suffering, they even try to take away our internet which Is the only thing we have. I am thankful to have anything.
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#126 Author of original report

I would be glad to pay this off I had the money

AUTHOR: Anonymous - (U.S.A.)

I be glad to pay this off If I had the money. But circumstances beyond my control have occured.

I was In a bad car accident 07/26/2006 & I was hurt on the job & I was fired because of the accident after I recovered just one thing after the other & I am on disabilty payments. Know my credit Is ruined & I am hurting.

I only have enough money to pay my house payment & car payment & food. Those things are the most important things & I cannot quit paying them.

But with all these things happening I still thank god I have a roof over my head & food.
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#127 Consumer Comment

Okay

AUTHOR: Devilsadvocate4education*just My Opinions* - (U.S.A.)

Companies don't care if we are in bad financial situation Charles, they CAN'T, if they did, there would end up being no business because of all the EXCUSES. And then we'd ALL be homeless. If you make the choice to use a credit card, you made the choice to accept the consequences, terms, conditions, and agreements also. This just can't all be for real, can it?
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#128 Consumer Suggestion

OK SO YOU HAVE NO MONEY

AUTHOR: D K - (U.S.A.)

How in the heck are you able to afford internet service?? Geesh idiot, turn off the internet service, pawn your computer and PAY YOUR BILLS YOU PATHETIC DEADBEAT
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#129 Consumer Suggestion

I DO NOT WORK FOR ARROW

AUTHOR: D K - (U.S.A.)

Why is it when someone tells someone they are wrong, the poster always says Well you must work for ... geesh, just proves even further that you don't know what you are talking about. you are wrong, you owe the money, pay it and quit whining... I am struggling financially too but instead of not paying money I know I owe or declaring bankruptcy, I am being repsonsible for my actions.. if you are on disability why are you charging up debt you know you can't repay.
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#130 Author of original report

I am tired of being screwed

AUTHOR: Anonymous - (U.S.A.)

I am tired of being screwed for no reason. That Is what I am fed up about.
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#131 Consumer Comment

Tell "mommy" to post her own reports

AUTHOR: Stacey - (U.S.A.)

You two are nothing but scammers and liars
Her "lawyer" is getting a settlement out of what??? a slip and fall "accident"
Get real - you two have nothing better to do than scam scam scam
You are indeed the worst form of white trash
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#132 Consumer Comment

Tell "mommy" to post her own reports

AUTHOR: Stacey - (U.S.A.)

You two are nothing but scammers and liars
Her "lawyer" is getting a settlement out of what??? a slip and fall "accident"
Get real - you two have nothing better to do than scam scam scam
You are indeed the worst form of white trash
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#133 Consumer Comment

Tell "mommy" to post her own reports

AUTHOR: Stacey - (U.S.A.)

You two are nothing but scammers and liars
Her "lawyer" is getting a settlement out of what??? a slip and fall "accident"
Get real - you two have nothing better to do than scam scam scam
You are indeed the worst form of white trash
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#134 Consumer Comment

Tell "mommy" to post her own reports

AUTHOR: Stacey - (U.S.A.)

You two are nothing but scammers and liars
Her "lawyer" is getting a settlement out of what??? a slip and fall "accident"
Get real - you two have nothing better to do than scam scam scam
You are indeed the worst form of white trash
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#135 Consumer Comment

Here's some info without the bad comments.

AUTHOR: Nikki - (U.S.A.)

Within the terms of your original credit card agreement, if you agreed to pay interest, late fees and overlimit fees (which you probably did since all credit agreements include this), then Arrow is legally allowed to add the interest late fees and overlimit fees to your account. They are allowed to follow the terms of the original contract.

If under your original contract, you agreed to pay all costs of collection, then Arrow is allowed to charge you a "collection fee" that has nothing to do with the interest, late fees or overlimit fees. This collection fee is what is allowed in your state. For my state, I once found that 10% was the allowable collection fee, but I have not been able to find that notation since (I've been trying to find the statute again).

Arrow may run hard inquiries on your account. You stated you read on this site that they were not allowed to do that. Everywhere I have read has shown rebuttals correcting those people that state that.

You did not state how old the debt is. You may want to check the Statute of Limitations for your state.
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#136 Consumer Comment

Here's some info without the bad comments.

AUTHOR: Nikki - (U.S.A.)

Within the terms of your original credit card agreement, if you agreed to pay interest, late fees and overlimit fees (which you probably did since all credit agreements include this), then Arrow is legally allowed to add the interest late fees and overlimit fees to your account. They are allowed to follow the terms of the original contract.

If under your original contract, you agreed to pay all costs of collection, then Arrow is allowed to charge you a "collection fee" that has nothing to do with the interest, late fees or overlimit fees. This collection fee is what is allowed in your state. For my state, I once found that 10% was the allowable collection fee, but I have not been able to find that notation since (I've been trying to find the statute again).

Arrow may run hard inquiries on your account. You stated you read on this site that they were not allowed to do that. Everywhere I have read has shown rebuttals correcting those people that state that.

You did not state how old the debt is. You may want to check the Statute of Limitations for your state.
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#137 Consumer Comment

Here's some info without the bad comments.

AUTHOR: Nikki - (U.S.A.)

Within the terms of your original credit card agreement, if you agreed to pay interest, late fees and overlimit fees (which you probably did since all credit agreements include this), then Arrow is legally allowed to add the interest late fees and overlimit fees to your account. They are allowed to follow the terms of the original contract.

If under your original contract, you agreed to pay all costs of collection, then Arrow is allowed to charge you a "collection fee" that has nothing to do with the interest, late fees or overlimit fees. This collection fee is what is allowed in your state. For my state, I once found that 10% was the allowable collection fee, but I have not been able to find that notation since (I've been trying to find the statute again).

Arrow may run hard inquiries on your account. You stated you read on this site that they were not allowed to do that. Everywhere I have read has shown rebuttals correcting those people that state that.

You did not state how old the debt is. You may want to check the Statute of Limitations for your state.
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#138 Consumer Comment

Here's some info without the bad comments.

AUTHOR: Nikki - (U.S.A.)

Within the terms of your original credit card agreement, if you agreed to pay interest, late fees and overlimit fees (which you probably did since all credit agreements include this), then Arrow is legally allowed to add the interest late fees and overlimit fees to your account. They are allowed to follow the terms of the original contract.

If under your original contract, you agreed to pay all costs of collection, then Arrow is allowed to charge you a "collection fee" that has nothing to do with the interest, late fees or overlimit fees. This collection fee is what is allowed in your state. For my state, I once found that 10% was the allowable collection fee, but I have not been able to find that notation since (I've been trying to find the statute again).

Arrow may run hard inquiries on your account. You stated you read on this site that they were not allowed to do that. Everywhere I have read has shown rebuttals correcting those people that state that.

You did not state how old the debt is. You may want to check the Statute of Limitations for your state.
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#139 Consumer Comment

To Charles *enough about you and your mom already*

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

Write Arrow Financial a stinking "cease communications letter" and send it certified mail return receipt requested. I'm telling you this because we are sick of hearing you talk about you and your mother's livelihood like a broken record. We don't want to hear about you and your stinking mom. Cough up the $5 to $10, go to the post office and send the stinking letter. That's your solution! Now that you have the solution, stop complaining about their phone calls!!!
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#140 Consumer Comment

You are not your mommy.

AUTHOR: John - (U.S.A.)

So posing as such makes you a fraud....but I already knew you were.
Second hand lies are still lies.
You are not settling anything.
You are making it up to try and look right since your stories are fraud.
You and mommy can't afford a lawyer as you state you have no money.
No lawyer is going to take a fraudulent claim for free.
You purposely try to beat people/companies out of money as proven by your own stories.
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#141 Consumer Comment

You are not your mommy.

AUTHOR: John - (U.S.A.)

So posing as such makes you a fraud....but I already knew you were.
Second hand lies are still lies.
You are not settling anything.
You are making it up to try and look right since your stories are fraud.
You and mommy can't afford a lawyer as you state you have no money.
No lawyer is going to take a fraudulent claim for free.
You purposely try to beat people/companies out of money as proven by your own stories.
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#142 Consumer Comment

You are not your mommy.

AUTHOR: John - (U.S.A.)

So posing as such makes you a fraud....but I already knew you were.
Second hand lies are still lies.
You are not settling anything.
You are making it up to try and look right since your stories are fraud.
You and mommy can't afford a lawyer as you state you have no money.
No lawyer is going to take a fraudulent claim for free.
You purposely try to beat people/companies out of money as proven by your own stories.
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#143 Consumer Comment

You are not your mommy.

AUTHOR: John - (U.S.A.)

So posing as such makes you a fraud....but I already knew you were.
Second hand lies are still lies.
You are not settling anything.
You are making it up to try and look right since your stories are fraud.
You and mommy can't afford a lawyer as you state you have no money.
No lawyer is going to take a fraudulent claim for free.
You purposely try to beat people/companies out of money as proven by your own stories.
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#144 Author of original report

How am I a manipulator

AUTHOR: Charles - (U.S.A.)

I am writing this report on behalf of my mother who Is having problems with arrow. My mother was hurt on the job & Is currently on workers comp disability.

My mother & her lawyer Is about to settle everything with her former employer & she can pay off everything that Is behind.

I manipulate nobody & I question why I would be called that, what Is worse Is being unemployed with no income coming In & bills get behind your credit gets damanged.

And you have to put up with nasty collection agencies like arrow. Who makes your life more difficult & create more problems which Is why I am so upset.

We didn't create these problems & we are paying the price for them for no reason.
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#145 Consumer Comment

Not so fast Fdcpaviolationswinner

AUTHOR: John - (U.S.A.)

You have to read the many, many, many fraudulent reports this retard has posted to see the contradictory discrepancies among all of them. They are all lies.

somehow, he has no money as he is trying to cry here yet: He can get a cellphone and welch on that contract and expect not to pay for it.
Can somehow obtain a vehicle to cause many accidents in.Can somehow put fuel in this mystery vehicle to go and cause the accidents.Can somehow afford what has to be exorbitant insurance rates from these accidents.Can somehow afford to try and apply for truck driver training with no money.
Can somehow afford to buy his jewelry, panties, and dresses from QVC while having no money.
Is somehow some sort of expert in how banking is suppose to operate yet can't even form a cognizant sentence.

When are you going to leave like you promised everyone in the fraudulent schneider thread? Oh, that's right.....ANOTHER lie.
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#146 Consumer Comment

Yes, I agree

AUTHOR: Prissy - (U.S.A.)

And I firmly believe that Charles and his mommy are the stinking jokes here.
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#147 Consumer Comment

Charles and disability/unemployment

AUTHOR: Fdcpaviolationswinner - (U.S.A.)

If Charles is indeed unemployed and/or collecting longterm disability, a credit card debt buyer has nothing to take from him assuming he is not a homeowner or has a car (no assets to attach a lien to). Disability income and SSI are not garnishable in any credit card judgment. Only exceptions are child support,student loans,government loans and state and federal income taxes. As far as bank levies go, if the only money going into his checking is disability or unemployment, that can't be levied either. To make a long story short, Charles has NO MOTIVATION to get a real job. He is judgment proof assuming he has no assets.Which poses this debate. Why would ANY CREDIT CARD COMPANY extend credit to someone on longterm disability or SSI? If they walk away they are judgment proof even with a default judgment . The system in this country is severely screwed up when people are enabled to draw up lame disability/SSI requests and get put on medicaid where all health,dental and prescriptions are FREE. It's a stinking joke. These people have again, NO MOTIVATION to get off the system. Most people who work like myself have to pay out copays for all medical and dental treatments and that is not always cheap. Blame the US GOVERNMENT on manipulators like Charles!
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#148 Author of original report

Collection agencies love to punish us during these financial hardtimes

AUTHOR: Charles - (U.S.A.)

Collection agencies love to punish us during these financial hardtimes. When Its not our fault. And to all the people who laugh @ people during there financial struggle you will reap what you sew.

It might not be today or tomorrow but you will reap what you sew. This goes to everybody who laughs @ me & treats me unfairly.

And stacy you can shut up yourself.
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#149 Consumer Comment

Ain't Karma a b***h Chrarles

AUTHOR: Stacey - (U.S.A.)

Usually I would info about how to keep this third party collection bottom feeder company in check but with you - You deserve it with your "I am better than anyone" attitude
Disability my a*s - you have never held a job to collect disability nor has poor mommy
Grow up get real and stop posting your nonsense CRAP - you and poor mommy are the rip off artists
Let me leave you with a little advice - If you are gonna trash me on this then learn to spell my name CORRECT
Dumn a*s
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#150 Consumer Comment

LMAO

AUTHOR: Me - (U.S.A.)

Thanks for the giggles.
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#151 Consumer Comment

Really

AUTHOR: Prissy - (U.S.A.)

Chuckie and his mommy never pay any of their bills, anyway ( Raptis Homes, Sun Bank, Arrow Financial, etc ). Why should this one be any different ????? And remember - there's always another conspiracy against these two deadbeats around the corner !!!!
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#152 Consumer Comment

Say hello to chuckles.

AUTHOR: Robert - (U.S.A.)

Hi Chuckles!

So, when they do finally get around to sueing you, I guess we'll see a report from you about how "unfair" the justice system is!

LOL!

Please tell me again how you are "entitled" to a job.
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#153 Consumer Comment

Ahhhh Charles is back

AUTHOR: Resty - (U.S.A.)

Chuckie....just pay your d**n bills will ya? People like you and your Mommy make it harder on the honest hard working bill paying people. Believe it or not......there are people in the real world that work hard, that pay their bills ...and pay em on time without screaming rip off or using some facade of a disability to try to get out of paying them.

I cannot for the life of me understand why a young man such as yourself would not be out there in the real world doing everything in his power to better himself.....to get ahead in life.....to work hard.......and to pay the bills he rightfully owes. GET AN EDUCATION Chuckie, learn to be independent and self supportive rather than living off the tax payers while whining whining whining here on RoR how everyone is out to get you and Mommy.

Edgeman, Stacey, John and all the others were right......

sad
sad
sad
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#154 Consumer Comment

Ahhhh Charles is back

AUTHOR: Resty - (U.S.A.)

Chuckie....just pay your d**n bills will ya? People like you and your Mommy make it harder on the honest hard working bill paying people. Believe it or not......there are people in the real world that work hard, that pay their bills ...and pay em on time without screaming rip off or using some facade of a disability to try to get out of paying them.

I cannot for the life of me understand why a young man such as yourself would not be out there in the real world doing everything in his power to better himself.....to get ahead in life.....to work hard.......and to pay the bills he rightfully owes. GET AN EDUCATION Chuckie, learn to be independent and self supportive rather than living off the tax payers while whining whining whining here on RoR how everyone is out to get you and Mommy.

Edgeman, Stacey, John and all the others were right......

sad
sad
sad
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#155 Consumer Comment

Ahhhh Charles is back

AUTHOR: Resty - (U.S.A.)

Chuckie....just pay your d**n bills will ya? People like you and your Mommy make it harder on the honest hard working bill paying people. Believe it or not......there are people in the real world that work hard, that pay their bills ...and pay em on time without screaming rip off or using some facade of a disability to try to get out of paying them.

I cannot for the life of me understand why a young man such as yourself would not be out there in the real world doing everything in his power to better himself.....to get ahead in life.....to work hard.......and to pay the bills he rightfully owes. GET AN EDUCATION Chuckie, learn to be independent and self supportive rather than living off the tax payers while whining whining whining here on RoR how everyone is out to get you and Mommy.

Edgeman, Stacey, John and all the others were right......

sad
sad
sad
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#156 Consumer Comment

Ahhhh Charles is back

AUTHOR: Resty - (U.S.A.)

Chuckie....just pay your d**n bills will ya? People like you and your Mommy make it harder on the honest hard working bill paying people. Believe it or not......there are people in the real world that work hard, that pay their bills ...and pay em on time without screaming rip off or using some facade of a disability to try to get out of paying them.

I cannot for the life of me understand why a young man such as yourself would not be out there in the real world doing everything in his power to better himself.....to get ahead in life.....to work hard.......and to pay the bills he rightfully owes. GET AN EDUCATION Chuckie, learn to be independent and self supportive rather than living off the tax payers while whining whining whining here on RoR how everyone is out to get you and Mommy.

Edgeman, Stacey, John and all the others were right......

sad
sad
sad
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#157 Author of original report

I am not paying them

AUTHOR: Anonymous - (U.S.A.)

Let me guess you must work for arrow. I am unemployed on disability. I am not afraid let them try to take me to court.

They cannot add more money to the original payments. Arrow thinks they are so smart.

I still have there first collection letter with the original balance of $2200.

Arrow added there interest late fees & why should we have to pay there collection fees.

I am only paying what I owed. Arrow Is already asking me to settle for a lower amount, but I don't have the money @ this time.
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#158 Consumer Comment

MORE BAD NEWS

AUTHOR: Billcoll01 - (U.S.A.)

WHEN A PURCHASER BUYS A DEBT(NOT DEPT) THEY CAN ALSO RESTART INT & FEES AS PER THE ORIGINAL CONTRACT
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#159 Consumer Comment

fees

AUTHOR: D K - (U.S.A.)

Hate to break it to you but you owe not only the original balance of your credit card but all interest, late fees and over limit fees that were due at the time of charge off. You may also be liable to reimburse the collection agency for their fees as well... If you owe the money and do not pay, eventually they can take you to court which will add more fees on top of that.....
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