If you were a careless person..and you went out shopping with your wallet half hanging out of your back pocket..someone may pick pocket you and steal it. Now lets say the thief was caught red handed. What if you were told that the thief was allowed to keep your wallet and all it's contents because you were careless and it is all your fault..the thief bears no responsibility or blame?
This is what the banks and defenders of the banks "business" practices would say. Because they do not believe you are a victim just because you believe you were ripped off, defrauded, or simply been done wrong. They will always blame us..belittle us..and mock us..and insult us. And this is their only defense. Or saying things like keep a register, learn how to be responsible with your finances..or "read the terms and agreements". They will agree that it is an unethical practice for the banks to target poor people and that it is okay for them to re-sequence our transactions in a way that allows them to attach as many fees as they can rack up..causing us further hardship. They will say it is our fault for being careless..and that to them is a good enough excuse for the banks to get away with this.
I am new to this forum and I think it is great to have a place to report when we feel we got ripped off. I also respect that rebuttal is allowed as there is often 2 sides to every story. And some of the rebuts although not what we want to hear..or sometimes inaccurate, misleading or irrelevant to the issue at hand or a feeble (even if passionate) attempt to smoke screen it, are submitted with respect and occasionally genuine concern..to those I have no qualm with.
What I have noticed is some rebuts have been nothing more then personal attacks, insults, immature name calling and arrogant degrading replies that basically attempt to discredit our complaint by picking apart grammatical errors or using word play to twist the facts to suit their defense.
Unfortunately, they may get the last word in my case as I do not wish to spend anymore time on this site to have this happen over and over. Not to mention it is upsetting to me to see the way they have been responding to other victims..or to be fair.."alleged" victims, until the class action suits are won I will abide by our constitution and live by "innocent until proven guilty". But none of this diminishes our right to complain or post that we believe we are being ripped off and our stories.
You will all hear from me here again when the site is up and all the information regarding the class action suits will be posted there. I have been in contact with some of you already, and we are working now to team up with our attorneys and get the ball rolling. DO NOT BE intimidated by any of the bank employees and defenders here..they believe it is in their best interest to discourage us and kick us even harder when we are already down, but if they were smart they would realize that behavior like that is futile..and if anything is giving us even more pleasure in devoting all our free time to this lawsuit.
Now they will probably respond with the same nonsense and smoke screens they always redundantly use...so I will repeat again what the isuue is and is NOT.
This is NOT an attempt to recover any fees from overdrafts and NSF's that are legitimate. This is NOT about asking advice how to prevent overdrafts and NSF fees or being told that the banks are not at fault because we do not know how to use a register..or we did not read our terms and conditions fully. Whether that is true or not holds no weight against the fact that certain policies and practices used by the banks are directly and blatantly targeting a specific "group" so to speak. These predators will be stopped. And the "re-sequencing" scam will be focused on as well as a plethora of other practices. My advice is keep all records..do a printout of your statements at least once or twice a day..this can and will be used as evidence.
When the employees and defenders respond to this and say things like "this will be a waste of time because the banks did not break any laws"...ignore it. because many laws were put into effect simply because of business practices that are unfair, unethical or just plain wrong. Yes, thank God we live in a country where we have the right to go to court to regain our rights..I love this country and we are all very blessed to be citizens here..with the good and the bad.
In closing..I say this one last time until the hearings...
As I read through more and more of the complaints about the way these banks conduct business..I am kind of getting tired of the replies telling about how to prevent overdraft and NSF fees. GET THIS CLEAR!!!...NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES!!!...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees to it)
All we want (AND TRUST ME WE WILL GET IT, EVERY PENNY) is the money that was "allegedly" ROBBED from us returned due to the "re-sequencing" SCAM, and any procedures and policies that intentionally and maliciously brought them on..We DO NOT want or expect a refund for ANY legitimate overdrafts or NSF fees, we want and demand a refund from ANY and ALL fees that were charged as overdrafts when the funds were available at TIME of transaction..it's really is that simple, I think a child would understand...I can't explain it any simpler. But if you need more details just read through a few hundred of the reports filed against these banks like I have and it should clear things up.
If you wish to participate and contribute until the site is up you can do many things like visit the web sites posted in some of the reports here...read through them all...write letters to your congressmen, use any contacts or methods to publicize this as much as possible..internet, local papers, cable news, mainstream newspapers etc. Together we can fight them. banks have lost or settled similar class action suits before, no reason this one can't..it is very legitimate but we need to work together and not roll over and allow them to crush us. I am a fighter and I don't lose well...how about you?
North hollywood, California
U.S.A. Click here to read other Rip Off Reports on Wachovia Bank