Comments on: Wells Fargo: We’ve Made All The Money We Need, And Do Not Want Your Business http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/ your source for illegal theology downloads Wed, 20 Aug 2008 16:03:56 +0000 http://wordpress.org/?v=2.6.1 By: Debbie http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-115048 Debbie Wed, 22 Aug 2007 05:29:02 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-115048 Be careful using Capital One for anything. I just had a conversation with them today about their commercial where the Vikings come and ravage your home and life. I told them they are the Vikings. My darling hubby had a card with them that was 6.9 fixed rate interest. We have never had a late payment on anything and have always paid more than the minumum or paid it off. He got a letter stating they were now going to change his terms to 15.9 variable interest rate with 25.9 on cash advances. He could "accept the terms" or "decline the terms" and continue with the 6.9 fixed rate until the balance is paid off but he can't use his card anymore. We called them up and told them we were declining their kind offer. They then insulted our intelligence with another offer to let him keep using the card for 6.9 fixed interest for two months and then they would up the interest to 9.9! Be careful using Capital One for anything. I just had a conversation with them today about their commercial where the Vikings come and ravage your home and life. I told them they are the Vikings.
My darling hubby had a card with them that was 6.9 fixed rate interest. We have never had a late payment on anything and have always paid more than the minumum or paid it off. He got a letter stating they were now going to change his terms to 15.9 variable interest rate with 25.9 on cash advances. He could “accept the terms” or “decline the terms” and continue with the 6.9 fixed rate until the balance is paid off but he can’t use his card anymore.
We called them up and told them we were declining their kind offer. They then insulted our intelligence with another offer to let him keep using the card for 6.9 fixed interest for two months and then they would up the interest to 9.9!

]]> By: corey http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114579 corey Mon, 20 Aug 2007 14:03:45 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114579 +1 for OCTFCU- the last 2 car loans have been thru them and they're great. For one of them we called from the dealership and just said, "hey, I think we're fixin' to buy a car right now." They said to go ahead a write a check for it and they'll work out the loan details while we arm wrestle with the salesman. It was great. +1 for OCTFCU- the last 2 car loans have been thru them and they’re great. For one of them we called from the dealership and just said, “hey, I think we’re fixin’ to buy a car right now.” They said to go ahead a write a check for it and they’ll work out the loan details while we arm wrestle with the salesman. It was great.

]]> By: E. Skiles http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114450 E. Skiles Mon, 20 Aug 2007 02:56:33 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114450 I'll second the credit union approach, I went through OCTFCU for my car loan, got approved online, got the paperwork at the bank. Super simple. You even get a little off the APR if you have the money automatically come out of an account at the credit union. I’ll second the credit union approach, I went through OCTFCU for my car loan, got approved online, got the paperwork at the bank. Super simple. You even get a little off the APR if you have the money automatically come out of an account at the credit union.

]]> By: Gloria Pope http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114132 Gloria Pope Sat, 18 Aug 2007 23:45:15 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-114132 Well, its a compromise for the future: You get a credit card use it for regular purchases, leave $10-20.00 balance each month. Its all about those FICO scores. We used Capital One for two car loans, it was seamless. Well, its a compromise for the future: You get a credit card use it for regular purchases, leave $10-20.00 balance each month. Its all about those FICO scores. We used Capital One for two car loans, it was seamless.

]]> By: Daniel Semsen http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113905 Daniel Semsen Sat, 18 Aug 2007 06:41:33 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113905 I just ranted about Godtube on my blog. My entries are no where near as sweet as the ones on this site--they are not very well thought out, they are pretty raw in form--but I just could not believe my eyes when I stumbled upon Godtube.com totally freakin ridiculous. I just ranted about Godtube on my blog.
My entries are no where near as sweet as the ones on this site–they are not very well thought out, they are pretty raw in form–but I just could not believe my eyes when I stumbled upon Godtube.com

totally freakin ridiculous.

]]> By: Bobby http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113528 Bobby Thu, 16 Aug 2007 22:11:05 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113528 Too late... I just heard back. Wells Fargo decided to loan him the 4 grand. Too late… I just heard back. Wells Fargo decided to loan him the 4 grand.

]]> By: Daniel Semsen http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113475 Daniel Semsen Thu, 16 Aug 2007 19:26:21 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113475 Mike- Can you put me in touch with that Nigeria dude? I mean, that sounds like a great deal to me! And there's no WAY I'd be at risk... Mike-

Can you put me in touch with that Nigeria dude? I mean, that sounds like a great deal to me! And there’s no WAY I’d be at risk…

]]> By: Big Chris http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113456 Big Chris Thu, 16 Aug 2007 18:57:51 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113456 Two words for you - Credit Union. I'm also a Wells Fargo user, but only because they are an evil-multi-national-available-everywhere type of bank. I've used WF for years, but kept a relationship with local credit unions on the side. I use WF for things like my student loans, but for savings and things of that sort the Credit Union gets all my business. Far better returns, and incomparable customer service. Big Chris http://mrclm.blogspot.com Two words for you - Credit Union. I’m also a Wells Fargo user, but only because they are an evil-multi-national-available-everywhere type of bank. I’ve used WF for years, but kept a relationship with local credit unions on the side. I use WF for things like my student loans, but for savings and things of that sort the Credit Union gets all my business. Far better returns, and incomparable customer service.

Big Chris
http://mrclm.blogspot.com

]]> By: B Dear http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113396 B Dear Thu, 16 Aug 2007 17:12:13 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113396 The other great thing about credit reporting agencies (CRAs) is that most of the information in the reports is wrong or outdated. I've spent 100's of man hours and more money than I should have had to, just to get the reports close to resembling my current credit status. That's a lot of work to maintain their product. Information that can be used against me. Last time I updated my credit information, I sent them an invoice for my man hours. (...and my man hours aren't cheap.) Although I didn't get a response, it made me feel somewhat better. The other great thing about credit reporting agencies (CRAs) is that most of the information in the reports is wrong or outdated. I’ve spent 100’s of man hours and more money than I should have had to, just to get the reports close to resembling my current credit status.

That’s a lot of work to maintain their product. Information that can be used against me.

Last time I updated my credit information, I sent them an invoice for my man hours. (…and my man hours aren’t cheap.) Although I didn’t get a response, it made me feel somewhat better.

]]> By: michael lee http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113392 michael lee Thu, 16 Aug 2007 16:43:44 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113392 Seems fair. Can you also help me with transferring $360 million in bank drafts out of Nigeria, which the former Oil Minister left to me in a scheme to avoid UN sanctions? All I need from you to get started is your Social Security Number and a Cashier's Check for $4,000. Thank You Much Kindly Sirs, N'gudai Martisoma Legitimate Oil Minister Nigeria, Africa Seems fair.

Can you also help me with transferring $360 million in bank drafts out of Nigeria, which the former Oil Minister left to me in a scheme to avoid UN sanctions? All I need from you to get started is your Social Security Number and a Cashier’s Check for $4,000.

Thank You Much Kindly Sirs,
N’gudai Martisoma
Legitimate Oil Minister
Nigeria, Africa

]]> By: Bobby http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113387 Bobby Thu, 16 Aug 2007 16:31:04 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113387 Here's what you do... go pick me up a MacBook Pro and an iPhone on your credit card, seems like a win-win-win to me. You get your car, the bank gets their money, and I get a new computer for helping you out. Don't thank me, that's what friends are for, helping each other. Here’s what you do… go pick me up a MacBook Pro and an iPhone on your credit card, seems like a win-win-win to me. You get your car, the bank gets their money, and I get a new computer for helping you out.

Don’t thank me, that’s what friends are for, helping each other.

]]> By: Daniel Semsen http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113356 Daniel Semsen Thu, 16 Aug 2007 14:06:14 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113356 me likey WAMU me likey WAMU

]]> By: Paul http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113291 Paul Thu, 16 Aug 2007 08:14:57 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113291 For more news about the insane credit situation, rent or Netflix the documentary "Maxed Out." For more news about the insane credit situation, rent or Netflix the documentary “Maxed Out.”

]]> By: michael lee http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113275 michael lee Thu, 16 Aug 2007 06:36:26 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113275 Jeremy, I don't trust the internets. I'm going to wait for loans-by-fax to come back in style. Technology is cyclical. Jeremy,

I don’t trust the internets. I’m going to wait for loans-by-fax to come back in style. Technology is cyclical.

]]> By: Jeremy http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113272 Jeremy Thu, 16 Aug 2007 06:21:33 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113272 dood, use the internets... I have used this for a couple of cars in the past when it was called people's first auto loans. Now it's owned by Capital One. Basically you get pre-approved for up toa certain ammount. They send you a check. When the check is used to purchase a car that's the ammount of the loan. I dont know what the current rates are but they were always very competative in the past. Also, again in the past, you could get a 1/2 percent deduction if you went through costco. Dont know if they still have the same deal but you should check it out. http://www.capitalone.com/autoloans/index.php dood, use the internets…

I have used this for a couple of cars in the past when it was called people’s first auto loans. Now it’s owned by Capital One.

Basically you get pre-approved for up toa certain ammount. They send you a check. When the check is used to purchase a car that’s the ammount of the loan.

I dont know what the current rates are but they were always very competative in the past. Also, again in the past, you could get a 1/2 percent deduction if you went through costco. Dont know if they still have the same deal but you should check it out.

http://www.capitalone.com/autoloans/index.php

]]> By: B Dear http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113255 B Dear Thu, 16 Aug 2007 04:09:59 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113255 How true. It just doesn't pay to be a responsible person anymore. Been in similar situations myself. Hope you were able to get the money elsewhere. How true. It just doesn’t pay to be a responsible person anymore. Been in similar situations myself. Hope you were able to get the money elsewhere.

]]> By: michael lee http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113256 michael lee Thu, 16 Aug 2007 04:03:07 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113256 Write a check, probably. And then go look for another bank to move our business to. Write a check, probably. And then go look for another bank to move our business to.

]]> By: aly hawkins http://addisonrd.com/WordPress/2007/08/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113253 aly hawkins Thu, 16 Aug 2007 03:59:05 +0000 http://addisonrd.com/WordPress/2007/08/15/wells-fargo-weve-made-all-the-money-we-need-and-do-not-want-your-business/#comment-113253 It's so sad that the interest made on loans to people who are good for the money is no longer good enough for lenders: They want the interest made on loans to people who aren't. (Which, granted, is a hell of a lot more interest.) It's no wonder the vast majority of Americans are up to their eyeballs in debt--it's the only way they can get any money. <begin diatribe>This is the part where I write a rousing diatribe about economic injustice and the immorality of our supposedly amoral economy. I wish my grandpa would start a second career as a financial advisor, even though he's 76. He's paid cash for everything he owns (including vehicles and real estate), and I bet a lot of people (myself included) would like to know how in the hell that works. Maybe the key is to start in 1949. So what are you gonna do about the car?</begin> It’s so sad that the interest made on loans to people who are good for the money is no longer good enough for lenders: They want the interest made on loans to people who aren’t. (Which, granted, is a hell of a lot more interest.) It’s no wonder the vast majority of Americans are up to their eyeballs in debt–it’s the only way they can get any money.

This is the part where I write a rousing diatribe about economic injustice and the immorality of our supposedly amoral economy.

I wish my grandpa would start a second career as a financial advisor, even though he’s 76. He’s paid cash for everything he owns (including vehicles and real estate), and I bet a lot of people (myself included) would like to know how in the hell that works. Maybe the key is to start in 1949.

So what are you gonna do about the car?

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