Settling cruise bill has been rough sailing

Dear Greg: My husband and I went on a Celebrity cruise Jan. 20. When we embarked, I gave a debit card for incidental charges.

[DeLand FL Native]

When I got home there was bill from Celebrity waiting for me. It had incidental charges of $432 and $4,131 for medical. I called Cindy and asked her to charge $432 to my debit card and to send me an itemized medical bill to submit to my insurance company. She said that would be OK. The next day I checked my debit-card account and it was negative $3,200!

When are folks going to learn when the right time is to use a debit card as opposed to a credit card? I have never liked the idea of them, and I am at the point now that I won't even consider the use of a debit card!
Folks, use a credit card for these types of expenses. This way you have the backing of the credit card company in the event of a dispute with a merchant. With a debit card you are not forwarded with the same protection, as that money is pulled out of your account immediately! With a credit card (unless it is a business/corp credit card) you pay the first $50-$100 and the rest is tied up between the credit card company and the merchant during the dispute period! That is how to hit 'em where it hurts, buy causing the credit card company not to pay them if you are disputing a charge! Git rid of your debit cards, and don't allow businesses/merchants access to your hard earned money!
As customers, we may not have many rights left, but we still have a few....

[Calamity Jane]

Dear james Ellis : You don't even have to subscribe to see the February Swimsuit edition lovelies. It is all online now plus you can also download an SI Swimsuite model calendar with several slide show poses per month of your custom picked dolly. P.S. They are all airbrushed before the photo shoot and carefully photo touched up after. Hate kto bust your balloon. They all have warts, moles and freckles.

[bellaa]

Cruise insurance would have changed the whole outcome and made life a lot easier for them.

[brisa01]

Where is Greg???

[mimi]

I am about to buy a house from Patrick J Torre. Now I am scare after your comment. Is he really a crook?

[mimi]

Pat Torre Scam Artist wrote:

Good luck getting money from infamous scam artist Patrick J. Torre. His business is all but gone and it's about time someone alerted the officials regarding his penchant for writing bad checks and stealing money from others. He should be ashamed of himself!

I hope you can give me abetter light about this guy as I am about to buy my house from him

[GFL]

mimi wrote:

<quoted text> I hope you can give me abetter light about this guy as I am about to buy my house from him

Just do a search on "Patrick J. Torre" on the Orange County Comptroller's website. You will see many judgements against him, he is a total scumbag. BEWARE!

[Kim]

I have a judgement from Pat Torre and he has not paid me for over 4 years. Do not do business with this man! He is a sociopath and preys on people from whom he steals and lies. I feel sorry for anyone who has done business with him, he seems really charming, but he is only after your money. I don't know why he isn't in jail.

[Tower Realty is a Hoax]

Doing business with Pat Torre and Tower Realty will only encourage this fool to continue his nefarious, money laundering ways. Torre and his stupid wife have been stealing from people for years. I had a lien placed on my house because of this criminal. YOUR TIME IS COMING PAT!

[Truthiness003]

This posting is a total joke! I've personally known Pat and his wonderful wife for over ten years!!! This is clearly one (Very Sad) individuals attempt to lie about and defame two absolutely truthful and faithful Christians! Also, after reading these posts, its seems strangely as if they were all written by the same person. Pat, if you happen to run across this disgusting blog, you know who I am, and I not only encourage you to copy these posts in order to file, I am here to help you if necessary! A case against this terrible example of a former friend/human being can easily be won!!!
God Bless you Pat

[GFL]

I can personally attest to the fact that Pat is a scumbag. All you have to do is go to the Orange County Comptroller's website and do a search under his name or his wife, Irma Torre's name. You will see that have numerous default judgements against them. They lie and steal from others to finance their lifestyle. A quick search shows a judgement against them for $24,000 plus interest on 4/11/2007 and many others. Does this sound very Christian to you? Go to the Comptroller's website and look yourself before judging, you have been duped by them.

Check out this link:
http://officialrecords.occompt.com/wb_or1/det...

Truthiness003 wrote:

This posting is a total joke! I've personally known Pat and his wonderful wife for over ten years!!! This is clearly one (Very Sad) individuals attempt to lie about and defame two absolutely truthful and faithful Christians! Also, after reading these posts, its seems strangely as if they were all written by the same person. Pat, if you happen to run across this disgusting blog, you know who I am, and I not only encourage you to copy these posts in order to file, I am here to help you if necessary! A case against this terrible example of a former friend/human being can easily be won!!!
God Bless you Pat

[GFL]

Here is another one, same guy for over $500,000

http://officialrecords.occompt.com/wb_or1/det...

[GFL]

Even the IRS is after them, here is a Federal Tax Lien just filed for over $47,000.

Sound very Christian to you?

http://officialrecords.occompt.com/wb_or1/det...

[Rick]

Patrick John Torre and Irma Cartaya Torre both think they can get away with the fraud, money laundering, and other serious crimes they have committed by praying on innocent people. Your time is coming Patrick, don't think because you're hiding your assets in family member's names that you won't be liable for all of the hurt and damage you have caused.

[Tom]

Pat and Irma belong in jail!

[Truthiness003]

After church yesterday I spoke the Torre's about your posts because I wanted to speak directly with them and see where all this was coming from. I already knew of their many debts, as many of my friends in the real estate business have had similar problems. In fact I have lost a sizable amount personally over the past year. What surprised me was the information that lead me to you Mr. GFL, or should I call you Larry!
After checking on public records about you I found your Hospitality business had a handful of judgments and business ethics violations against you.
Now I do not know the specifics about your personal violations and judgments, but I assume they are as valid as the Torre's since they are public record, and I suggest anyone reading this blog search Larry Stuart/Hospitality and see for yourself.
To anyone reading all this silliness, please know that I never intended to respond any further from my first writing but following these discoveries I felt compelled to do so, if only to show the source these defamatory comments are coming from.
Again, I do not know you personally Mr. Stuart, but I do know the Torre as a wonderful, hard working and truthful family. If anyone wishes to contact me personally for a recommendation of the Torre family please feel free to send me your email address.
Scripture says to forgive our enemies or those who we perceive to have hurt us, lets move beyond all this silliness and follow Christ teachings!

[Torre is Going to Jail]

Patrick Torre is a crook and a liar. He is has over five million dollars worth of judgments against him, how do you explain that? He has pending lawsuits for STEALING INNOCENT PEOPLE'S MONEY! Do you get that? How do you explain it? Why don't you ask Paul McGarigal whose case you can look up on the orangecoutnycomptrollers website? How do you explain that? Why don't you stay out of other people's business? Didn't Jesus ever teach you to mind your business? This business is between Me and Patrick and Irma, as well as all of the other VICTIMS who Pat has ROBBED. They will pay for the damages they have caused! I hope you enjoy seeing Pat at church, because he will soon be behind bars in a jail cell wearing an orange jumpsuit.

[GFL]

My name is not Larry. Pat Torre owes me, or rather my company, about $9,000.

I want you to consider what Pat did. Pat contracted us to do some services for him. After seeing his terrible credit we told him it would be cash in advance. He gave us a worthless check and before it cleared we performed the services he asked us to do. This is stealing.

I find it shocking that you would mention scripture. Because of people like Pat and Irma Torre who write worthless checks we have had to lay off some innocent and hard working employees. Do you think they should have to turn the other cheek? Economically the country is in terrible shape and our friends and coworkers are on the street without employment because of your friends.

It is not a matter of forgiveness, it is a legal matter at this point. Once these two are in jail I will forgive them as justice will have been served.

Truthiness003 wrote:

After church yesterday I spoke the Torre's about your posts because I wanted to speak directly with them and see where all this was coming from. I already knew of their many debts, as many of my friends in the real estate business have had similar problems. In fact I have lost a sizable amount personally over the past year. What surprised me was the information that lead me to you Mr. GFL, or should I call you Larry!
After checking on public records about you I found your Hospitality business had a handful of judgments and business ethics violations against you.
Now I do not know the specifics about your personal violations and judgments, but I assume they are as valid as the Torre's since they are public record, and I suggest anyone reading this blog search Larry Stuart/Hospitality and see for yourself.
To anyone reading all this silliness, please know that I never intended to respond any further from my first writing but following these discoveries I felt compelled to do so, if only to show the source these defamatory comments are coming from.
Again, I do not know you personally Mr. Stuart, but I do know the Torre as a wonderful, hard working and truthful family. If anyone wishes to contact me personally for a recommendation of the Torre family please feel free to send me your email address.
Scripture says to forgive our enemies or those who we perceive to have hurt us, lets move beyond all this silliness and follow Christ teachings!

[GFL]

Truthiness003, is your name Tim Moen?

I looked up Larry G. Stuart the registered owner of Stuart Hospitality, Inc. and I see no judgements, fingerprint cards or liens on him or his wife or his business either in Orange County or in the entire state of FL.

[Kim]

Sometimes we wonder if Pat Torre feels guilty at all about what he has done, whether or not he has any conscience, but I don't think so. It's even more odd that he would involve his two daughters, Stefanie and Christy, brother, and in-laws in all of this mess. It's a very sad family, especially since they all know about his crimes. I wish the police would act faster, I know our lawyer, just one of many on the case, is trying very hard to bring in more attention to the bad deeds of PAt and Irma Torre.