Comments on: Chase to refund a charge that “is a finance charge,” but continues to coerce and defame 400,000 account holders http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/ Now We're Coming After You Thu, 18 Feb 2010 01:41:49 +0000 http://wordpress.org/?v=2.8.5 hourly 1 By: Dennis Garrison http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-1509 Dennis Garrison Tue, 01 Sep 2009 01:21:42 +0000 http://www.changeinterms.com/?p=1346#comment-1509 Dear sir, Please add me to your list of 400,000 top credit worthy victims of Chase’s bait and switch tactics to force early payment and or increase their interest rates of promised “life of loan” check advance agreements. I have just received my first new minimum payment due bill increasing my 3.99 % fixed rate loan payment from the previous 2.0% of the balance that left me with a $330 monthly payment to the new 5.0 % minimum payment of $937 per month! I have been so frustrated at the same talking points statements from the Chase card-member representatives and their supervisors that say there is nothing I can do, since Chase has the right to increase the minimum payment to any amount they want, even 50-75% or 100% for that matter! I demanded that they recognize my request to “OPT OUT” of this change in terms and close my account so I can just continue to pay my minimum payment as I have been doing until the balance is paid in full. (I have been paying $400 per month, even though the previous 2.0 % minimum payment was $330. They told me that of course I could accept a 7.99 % interest rate and then I would have a 2.0% minimum balance payment back again. I said this did not make much sense, if there was a rationale for increasing the payment to 5.0 % to get it paid off earlier and it was not to just get more money, then how would raising the interest rate and leaving the monthly minimum payment end up being paid off any sooner? I was told their goal was to get the loan paid off in less than 5 years to abide by the governments recommendations to the credit card companies to stop allowing consumers to accrue more debt by not paying off the balances earlier. I told the representative that the government had recommended the credit card companies change their minimum payments to ensure that 100.0 % of the interest payment plus 1.% of the principal payment was being paid to avoid the negative amortization result. The government did not say to nearly triple peoples minimum payment and force them into a default interest rate of 23.99.0 %!! I also told the representative to do the simple math of my 2.0 % minimum payment, because even when I took out the $25K loan to consolidate my daughter’s college tuition and other higher interest rate loans as they advertised, that the entire balance was worked out to be paid in full at exactly 60 months, which now that my balance had been paid down to $18.3K, I would have less than 3 years to pay it off, especially since I was making a steady $400 monthly payment instead of the required $330 payment. I also wanted to send you a copy of another letter I sent to Chase demanding I be able to have an arbitration, since they refused to recognize my right to OPT OUT of this change in terms. I also wanted to express my disgust about their Chase web site “contact us” “Testimonial Release & Agreement terms just to provide a testimonial in order to voice an opinion. This is truly UNBELIEVABLE, but worth reading to inform other readers and especially other people that are directly involved in the tactics utilized by Chase. Chase has now stooped so low as to “legally take away your rights and even change your testimonial comments as they see fit and then publish and or use them for their own benefit!!! In other words I could write how disgusted I am with this bait and switch tactic and when I click “SUBMIT” I have just given Chase the right to change what I wrote and they can then legally modify and rewrite it to benefit them and then publish their modified rewritten version of my comments as if I was satisfied and totally happy with the great service Chase has provided! Here is a copy of that letter and the “Testimonial Release & Agreement” you would have to agree with if a person submits via their web site. I instead sent my letter directly via email to Chase management personnel. This is a copy of correspondence I sent to Chase, they have not responded of course and I am now in receipt of my first billing statement that reflects their threatened increased minimum payment to 5% of the last ending balance. This now makes my payment rise from $330 per month to $937 per month. Per Chase supervisor at their 800 help line, they have the right to demand increased minimum payments as much as they choose to, even 100.0 % payment in full!! Another deceptive practice that Chase is now performing is to record and use against the consumer questions regarding their financial ability or hardship to meet their outrageous increase in minimum payments. Once they have enough information recorded that you supply to show that your income and expenses are not going to be sufficient to pay a new minimum payment increase of 150.0 % more, they then claim your income can not sustain the hardship offer to keep your 2.0% minimum balance payment at the newly offered 7.99% interest rate, therefore there is nothing they can do, but go forward with the 5.0 % minimum payment at your current 3.99 % interest rate, since you did not agree to the higher interest rate. Why would I agree to a higher interest rate just because they entice me with a 2.0 % minimum payment, which I had already agreed to? Unbelievable, “you do not qualify for the 7.99% interest rate with a 2.0 % minimum balance payment, so we are going to go forward with the 5.0 % minimum payment as notified.” So what they really mean is we are going to almost triple your minimum payment to ensure you default into our 23.99 % interest rate! Here is my correspondence to Chase, please ensure I am included in any updates to help me resolve this bait and switch activity Chase is promising to do to me and over a million other top credit worthy customers that did not fall for their default rate increase traps. I am demanding that Chase Credit Card set up an arbitration hearing for defaulting on the original credit card 3.99% for the life of the loan repayment @ 2% of the ending balance agreement I have fulfilled and never been late or missed a single payment on. Chase violated the change in terms and now refuses to even allow an OPT OUT of the card agreement even though Chase is the only one breaking the agreement here with me and over a million other specially selected high credit worthy customers that failed to fail so chase could invoke default rates for late payments or missed payments. Now in order to make us fail, your representatives state that you can raise the minimum payment to anything you want, even 50%, 75% or 100% payment in full! That is beyond fraud and certainly exceeds any moral and ethical standard to maintain an agreement when the other party is complying fully. Please advise when and where the arbitration hearing will be for me. My card is a chase credit card issued to Dennis M. Garrison & KXXXXX. Garrison @ XXX Street, Santa XXXXX, CA XXXXX. Oh by the way I do not agree to abide by your outrageous Testimonial Release Agreement that states you can modify anything I say and like magic you become legally indemnified because I wrote you? What a slick lawyer staff you guys have!! Testimonial Release & Agreement For valuable consideration from JPMorgan Chase & Co., and its various subsidiaries ("JPMC"), receipt of which I hereby acknowledge, I agree as follows: 1. I hereby grant to JPMC and its licensed parties the right to use and publish my and my family's name, picture, portrait, likeness, as well as the testimonial statements I provided through this website, and any other statements that I may later approve in writing, in all advertising and marketing materials used in the promotion of JPMC's services. 2. I agree that my testimonial is an expression of my personal experience and belief as a customer of JPMC and that JPMC has the right to attribute the accompanying testimonial statement(s) to me. 3. I agree that JPMC has my agreement to modify my testimonial statement and that no other material need be submitted to me for any further approval. 4. I agree that I have no claim to additional compensation and no claim (including, without limitation, claims based upon invasion of privacy, defamation or right of publicity) arising out of any use, re-use, reproduction, alteration or distortion in any composite form or media, and I hereby release JPMC and its licensed parties from any liability arising out of or resulting from the publication of my or my family's name, picture, portrait, likeness, as well as the testimonial statements that I have provided through this website. 5. I represent, warrant and agree that no materials of any kind submitted through the website or otherwise posted, transmitted, or shared on or through the website will violate or infringe upon the rights of any third party, or contain libelous, defamatory or otherwise unlawful material. I hereby agree to indemnify JPMC and its affiliates from any liabilities arising out of or relating to any breach of such representations and warranties. 6. I acknowledge and agree that the potential opportunity to have my testimonial statements published is valuable consideration. 7. Nothing in this Testimonial Release and Agreement constitutes any obligation on the licensed parties to make use of the testimonial statements provided through this website or any other rights. 8. This Testimonial Release and Agreement contains the entire understanding and agreement between the parties with respect to the Release granted herein, and if any term or provision is found to be invalid, the validity of the remaining terms shall not be affected. This Testimonial Release and Agreement shall be construed under the laws of the State of New York. Who in their right mind would sign this, let alone, who in their right mind would expect someone to sign such an agreement just to be heard by Chase? It’s like we have an open line for communication, however you must sign this release and let Chase modify it as they see fit and then add to it any other material without any further approval! Are people this stupid? I guess the ones that wrote this insane release and agreement are, of course they are “lawyers” protecting and weaseling every angle for Chase not the consumer. Michael Garrison XXXX Santa Maria, CA (805) 348-2348 Office (805) 310-3168 cell Dear sir,
Please add me to your list of 400,000 top credit worthy victims of Chase’s bait and switch tactics to force early payment and or increase their interest rates of promised “life of loan” check advance agreements. I have just received my first new minimum payment due bill increasing my 3.99 % fixed rate loan payment from the previous 2.0% of the balance that left me with a $330 monthly payment to the new 5.0 % minimum payment of $937 per month! I have been so frustrated at the same talking points statements from the Chase card-member representatives and their supervisors that say there is nothing I can do, since Chase has the right to increase the minimum payment to any amount they want, even 50-75% or 100% for that matter! I demanded that they recognize my request to “OPT OUT” of this change in terms and close my account so I can just continue to pay my minimum payment as I have been doing until the balance is paid in full. (I have been paying $400 per month, even though the previous 2.0 % minimum payment was $330. They told me that of course I could accept a 7.99 % interest rate and then I would have a 2.0% minimum balance payment back again. I said this did not make much sense, if there was a rationale for increasing the payment to 5.0 % to get it paid off earlier and it was not to just get more money, then how would raising the interest rate and leaving the monthly minimum payment end up being paid off any sooner? I was told their goal was to get the loan paid off in less than 5 years to abide by the governments recommendations to the credit card companies to stop allowing consumers to accrue more debt by not paying off the balances earlier. I told the representative that the government had recommended the credit card companies change their minimum payments to ensure that 100.0 % of the interest payment plus 1.% of the principal payment was being paid to avoid the negative amortization result. The government did not say to nearly triple peoples minimum payment and force them into a default interest rate of 23.99.0 %!! I also told the representative to do the simple math of my 2.0 % minimum payment, because even when I took out the $25K loan to consolidate my daughter’s college tuition and other higher interest rate loans as they advertised, that the entire balance was worked out to be paid in full at exactly 60 months, which now that my balance had been paid down to $18.3K, I would have less than 3 years to pay it off, especially since I was making a steady $400 monthly payment instead of the required $330 payment.

I also wanted to send you a copy of another letter I sent to Chase demanding I be able to have an arbitration, since they refused to recognize my right to OPT OUT of this change in terms. I also wanted to express my disgust about their Chase web site “contact us” “Testimonial Release & Agreement terms just to provide a testimonial in order to voice an opinion. This is truly UNBELIEVABLE, but worth reading to inform other readers and especially other people that are directly involved in the tactics utilized by Chase. Chase has now stooped so low as to “legally take away your rights and even change your testimonial comments as they see fit and then publish and or use them for their own benefit!!! In other words I could write how disgusted I am with this bait and switch tactic and when I click “SUBMIT” I have just given Chase the right to change what I wrote and they can then legally modify and rewrite it to benefit them and then publish their modified rewritten version of my comments as if I was satisfied and totally happy with the great service Chase has provided! Here is a copy of that letter and the “Testimonial Release & Agreement” you would have to agree with if a person submits via their web site. I instead sent my letter directly via email to Chase management personnel.

This is a copy of correspondence I sent to Chase, they have not responded of course and I am now in receipt of my first billing statement that reflects their threatened increased minimum payment to 5% of the last ending balance. This now makes my payment rise from $330 per month to $937 per month. Per Chase supervisor at their 800 help line, they have the right to demand increased minimum payments as much as they choose to, even 100.0 % payment in full!!

Another deceptive practice that Chase is now performing is to record and use against the consumer questions regarding their financial ability or hardship to meet their outrageous increase in minimum payments. Once they have enough information recorded that you supply to show that your income and expenses are not going to be sufficient to pay a new minimum payment increase of 150.0 % more, they then claim your income can not sustain the hardship offer to keep your 2.0% minimum balance payment at the newly offered 7.99% interest rate, therefore there is nothing they can do, but go forward with the 5.0 % minimum payment at your current 3.99 % interest rate, since you did not agree to the higher interest rate. Why would I agree to a higher interest rate just because they entice me with a 2.0 % minimum payment, which I had already agreed to? Unbelievable, “you do not qualify for the 7.99% interest rate with a 2.0 % minimum balance payment, so we are going to go forward with the 5.0 % minimum payment as notified.” So what they really mean is we are going to almost triple your minimum payment to ensure you default into our 23.99 % interest rate!

Here is my correspondence to Chase, please ensure I am included in any updates to help me resolve this bait and switch activity Chase is promising to do to me and over a million other top credit worthy customers that did not fall for their default rate increase traps.

I am demanding that Chase Credit Card set up an arbitration hearing for defaulting on the original credit card 3.99% for the life of the loan repayment @ 2% of the ending balance agreement I have fulfilled and never been late or missed a single payment on. Chase violated the change in terms and now refuses to even allow an OPT OUT of the card agreement even though Chase is the only one breaking the agreement here with me and over a million other specially selected high credit worthy customers that failed to fail so chase could invoke default rates for late payments or missed payments. Now in order to make us fail, your representatives state that you can raise the minimum payment to anything you want, even 50%, 75% or 100% payment in full! That is beyond fraud and certainly exceeds any moral and ethical standard to maintain an agreement when the other party is complying fully. Please advise when and where the arbitration hearing will be for me. My card is a chase credit card issued to Dennis M. Garrison & KXXXXX. Garrison @ XXX Street, Santa XXXXX, CA XXXXX. Oh by the way I do not agree to abide by your outrageous Testimonial Release Agreement that states you can modify anything I say and like magic you become legally indemnified because I wrote you? What a slick lawyer staff you guys have!!

Testimonial Release & Agreement

For valuable consideration from JPMorgan Chase & Co., and its various subsidiaries (”JPMC”), receipt of which I hereby acknowledge, I agree as follows:

1. I hereby grant to JPMC and its licensed parties the right to use and publish my and my family’s name, picture, portrait, likeness, as well as the testimonial statements I provided through this website, and any other statements that I may later approve in writing, in all advertising and marketing materials used in the promotion of JPMC’s services.

2. I agree that my testimonial is an expression of my personal experience and belief as a customer of JPMC and that JPMC has the right to attribute the accompanying testimonial statement(s) to me.

3. I agree that JPMC has my agreement to modify my testimonial statement and that no other material need be submitted to me for any further approval.

4. I agree that I have no claim to additional compensation and no claim (including, without limitation, claims based upon invasion of privacy, defamation or right of publicity) arising out of any use, re-use, reproduction, alteration or distortion in any composite form or media, and I hereby release JPMC and its licensed parties from any liability arising out of or resulting from the publication of my or my family’s name, picture, portrait, likeness, as well as the testimonial statements that I have provided through this website.

5. I represent, warrant and agree that no materials of any kind submitted through the website or otherwise posted, transmitted, or shared on or through the website will violate or infringe upon the rights of any third party, or contain libelous, defamatory or otherwise unlawful material. I hereby agree to indemnify JPMC and its affiliates from any liabilities arising out of or relating to any breach of such representations and warranties.

6. I acknowledge and agree that the potential opportunity to have my testimonial statements published is valuable consideration.

7. Nothing in this Testimonial Release and Agreement constitutes any obligation on the licensed parties to make use of the testimonial statements provided through this website or any other rights.

8. This Testimonial Release and Agreement contains the entire understanding and agreement between the parties with respect to the Release granted herein, and if any term or provision is found to be invalid, the validity of the remaining terms shall not be affected. This Testimonial Release and Agreement shall be construed under the laws of the State of New York.

Who in their right mind would sign this, let alone, who in their right mind would expect someone to sign such an agreement just to be heard by Chase? It’s like we have an open line for communication, however you must sign this release and let Chase modify it as they see fit and then add to it any other material without any further approval! Are people this stupid? I guess the ones that wrote this insane release and agreement are, of course they are “lawyers” protecting and weaseling every angle for Chase not the consumer.
Michael Garrison
XXXX Santa Maria, CA
(805) 348-2348 Office
(805) 310-3168 cell

]]> By: Gearing up for new FED Rules — “is not going to be easy.” – ChangeinTerms.com http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-1114 Gearing up for new FED Rules — “is not going to be easy.” – ChangeinTerms.com Sat, 02 May 2009 22:55:52 +0000 http://www.changeinterms.com/?p=1346#comment-1114 [...] Treatment that does not include defaming us in the media; [...] [...] Treatment that does not include defaming us in the media; [...]

]]> By: Treating customers “fairly” must be an “outdated” promise made by Chase Card Services executives. – ChangeinTerms.com http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-1084 Treating customers “fairly” must be an “outdated” promise made by Chase Card Services executives. – ChangeinTerms.com Fri, 01 May 2009 16:23:43 +0000 http://www.changeinterms.com/?p=1346#comment-1084 [...] I note that the word-choice “every” does not distinguish differences in account types.  Obviously, one of the aforementioned “2 changes” is that Chase has determined that it is not interested in maintaining a “good relationship” with 400,000 account holders who were meeting their obligations.  Rather, it has chosen to alienate those customers not only by virtue of changing “fixed APR Until the balance is paid in full” loan terms, it also decided to defame those customers through disseminating a negative portrayal of affected account holders in the.... [...] [...] I note that the word-choice “every” does not distinguish differences in account types.  Obviously, one of the aforementioned “2 changes” is that Chase has determined that it is not interested in maintaining a “good relationship” with 400,000 account holders who were meeting their obligations.  Rather, it has chosen to alienate those customers not only by virtue of changing “fixed APR Until the balance is paid in full” loan terms, it also decided to defame those customers through disseminating a negative portrayal of affected account holders in the…. [...]

]]> By: PRODUCT SAFETY RECALL: Chase credit cards “unsafe,” pose “risks of substantial injury” – ChangeinTerms.com http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-957 PRODUCT SAFETY RECALL: Chase credit cards “unsafe,” pose “risks of substantial injury” – ChangeinTerms.com Mon, 20 Apr 2009 16:22:22 +0000 http://www.changeinterms.com/?p=1346#comment-957 [...] at gunpoint” to give up their previously promised promotional rates; I also want an apology for defaming us (this isn’t all; read the linked post for more [...] [...] at gunpoint” to give up their previously promised promotional rates; I also want an apology for defaming us (this isn’t all; read the linked post for more [...]

]]> By: Michelle http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-937 Michelle Sat, 18 Apr 2009 15:32:21 +0000 http://www.changeinterms.com/?p=1346#comment-937 The interest rate on my chase card is 1/4 of the interest rate on my other card. Why would I pay any more than the minimum balance each month. I throw double payments on my other card. Also, I was using Chase's automatic payment option to pay the card, didn't they think they were getitng paid? I feel pretty good though, in the four months of increased payments I paid a nice chunk off. The interest rate on my chase card is 1/4 of the interest rate on my other card. Why would I pay any more than the minimum balance each month. I throw double payments on my other card. Also, I was using Chase’s automatic payment option to pay the card, didn’t they think they were getitng paid?

I feel pretty good though, in the four months of increased payments I paid a nice chunk off.

]]> By: Barbara http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-821 Barbara Fri, 10 Apr 2009 01:39:07 +0000 http://www.changeinterms.com/?p=1346#comment-821 I'm also one of the 184,000 or 400,00... in my case, I have three cards involved. I used the money to pay educational costs for my children. At the time, at an interest rate of 2.99% for the life of the loan and a 2% minimum payment, it seemed a good alternative to a parent PLUS loan. Oh well... it WAS.. until now. I also just got my three letters from them , advising me they would be refunding me my $10 monthly "service fees", but that the minimum payment would remain at 5%. Same "optional alternative" everyone else is describing. I can't really add to what all of you are saying.. same story as the rest of you, and I am so tired of talking about this!!! And JDB, I totally agree with you. I used to respect Chase as a company. When I used to pay my Chase bills, I was happy that I was able to pay down my debt in such a reasonable way, and by extension, I thought positively toward Chase. Now, everyone I know has heard my rants about the evils of Chase Bank. I guess this is what is referred to as "good will"?? What idiots the management of this bank must be!!! We all paid balance transfers for the privilege of borrowing money at certain terms. If, several months after the transfer, Chase had changed our minimum payment to say, 20%, 25%, or 50% of our balance, I think any reasonable person would agree we had been defauded. It's just a matter of degree here. A deal is a deal. Anyway, sorry this post is so long and disjointed. I just wanted to weigh in as one more victim. I am NOT giving up. I am continuing to fight. And I thank you, Dr. Lahm for all the work you have done here! I’m also one of the 184,000 or 400,00… in my case, I have three cards involved. I used the money to pay educational costs for my children. At the time, at an interest rate of 2.99% for the life of the loan and a 2% minimum payment, it seemed a good alternative to a parent PLUS loan. Oh well… it WAS.. until now. I also just got my three letters from them , advising me they would be refunding me my $10 monthly “service fees”, but that the minimum payment would remain at 5%. Same “optional alternative” everyone else is describing.
I can’t really add to what all of you are saying.. same story as the rest of you, and I am so tired of talking about this!!! And JDB, I totally agree with you. I used to respect Chase as a company. When I used to pay my Chase bills, I was happy that I was able to pay down my debt in such a reasonable way, and by extension, I thought positively toward Chase. Now, everyone I know has heard my rants about the evils of Chase Bank. I guess this is what is referred to as “good will”?? What idiots the management of this bank must be!!!
We all paid balance transfers for the privilege of borrowing money at certain terms. If, several months after the transfer, Chase had changed our minimum payment to say, 20%, 25%, or 50% of our balance, I think any reasonable person would agree we had been defauded. It’s just a matter of degree here. A deal is a deal.
Anyway, sorry this post is so long and disjointed. I just wanted to weigh in as one more victim. I am NOT giving up. I am continuing to fight. And I thank you, Dr. Lahm for all the work you have done here!

]]> By: JDB http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-793 JDB Tue, 07 Apr 2009 02:08:01 +0000 http://www.changeinterms.com/?p=1346#comment-793 I have two credit card involved in this. I have received the $60.00 refund, $30.00 for each card. I continue to pay 5% on the balance on each card each month, plus $1.00 as an act of defiance. Chase has managed in one action to show, anyone who is paying attention, just how stupid the people who are running Chase really are. No wonder these institutions got themselves in such a mess with mortgages. Chase actuality believed that the right thing to do is to cheat their very best clients, who in spite of the very bad economy continued to meet all of their obligations to Chase. By cheating their very best clients Chase thought they would be helping their bottom line? It is really a very sad realization; a company that I once looked up to is really a company that is really just messed up! I have two credit card involved in this. I have received the $60.00 refund, $30.00 for each card. I continue to pay 5% on the balance on each card each month, plus $1.00 as an act of defiance.
Chase has managed in one action to show, anyone who is paying attention, just how stupid the people who are running Chase really are. No wonder these institutions got themselves in such a mess with mortgages. Chase actuality believed that the right thing to do is to cheat their very best clients, who in spite of the very bad economy continued to meet all of their obligations to Chase. By cheating their very best clients Chase thought they would be helping their bottom line? It is really a very sad realization; a company that I once looked up to is really a company that is really just messed up!

]]> By: anna http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-792 anna Mon, 06 Apr 2009 22:34:56 +0000 http://www.changeinterms.com/?p=1346#comment-792 Chase is funny. A letter from a person in charge of my "experience" tells me after stating that they will keep 5% that "there is an optional alternative' ["optional alternative" - moron - a22] offer available. Those terms include moving your current balances subject to an APR with no defined expiration date to [yes, Lady, this was the agreement] to ... " I think that since Chase is shortening the life of my loan, it should be considered a murderer. Chase is funny. A letter from a person in charge of my “experience” tells me after stating that they will keep 5% that “there is an optional alternative’ ["optional alternative" - moron - a22] offer available. Those terms include moving your current balances subject to an APR with no defined expiration date to [yes, Lady, this was the agreement] to … ”

I think that since Chase is shortening the life of my loan, it should be considered a murderer.

]]> By: steve http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-731 steve Wed, 01 Apr 2009 17:58:54 +0000 http://www.changeinterms.com/?p=1346#comment-731 I would hope lawsuits continue. I may be one of the unemployed soon, and Chase would be last on my list to be repaid!! I would hope lawsuits continue. I may be one of the unemployed soon, and Chase would be last on my list to be repaid!!

]]> By: Dr Robert Lahm http://www.changeinterms.com/2009/03/29/chase-to-refund-a-charge-that-is-a-finance-charge-but-continues-to-coerce-and-defame-400000-account-holders/comment-page-1/#comment-726 Dr Robert Lahm Wed, 01 Apr 2009 14:09:48 +0000 http://www.changeinterms.com/?p=1346#comment-726 Steve (re: #21), Don't worry, I am still receiving information regarding new lawsuits. I have more to post. That being said, one of my biggest interests is very much in keeping with your line of reasoning. Simply making a bully/thief give back what has been stolen is not enough. With no punishment, that bully will try again. Steve (re: #21),

Don’t worry, I am still receiving information regarding new lawsuits. I have more to post.

That being said, one of my biggest interests is very much in keeping with your line of reasoning. Simply making a bully/thief give back what has been stolen is not enough. With no punishment, that bully will try again.

]]>