Misty

Mount Sterling, KY

#21 Jan 22, 2011
Gym Rat wrote:
I had a professor tell us once that any uneducated idiot can use profanity to make a point. Try to be respectful to someone without using language better suited for places of ill repute..
The Language you use is much worse than profanity Sir/Madam.

My old Prof. said a KIND word goes a long way.
Joe Blow

Mount Sterling, KY

#22 Jan 22, 2011
joe harris wrote:
<quoted text>nice language, almost took you for someone serious. i spoke my sentiments on the topic, it's obvious you don't agree. she came on blamin' someone for her problems, jus' like half the world does. no one takes responsibility for their situations. i'm not on any high horse, i spoke of my solution to my problem which was questioned if i had ever walked in her shoes. she must not be too ashamed of it cos she's blabbin' her problems on topix and blamin' mark ledford. if she wanted help, she coulda been more mature about it and ask for help ot a solution and my reaponse would have been different. how you present yerself is how people take you and react to yer situation. by yer opening statement i know you have a simple mind for you feel the need to use obscenities, you see a vulgar mouth is fueled by a simple mind. i'm proud of where i'm at cos i've taken steps to plan for the future. wait....pat, pat, pat!
Joe we have not talked in a while, we had a comming together on a subject several months ago and I am going to respect your opinion.
However I can not totaly agree with ya. Who do I choose to help, people that need help, who do I defend, people who need defending,
Who do I show the most respect to, people who dont feel like there going to be respected. Its easy to show respect to a rich person if you expect something, but to respect someone who is at your mercy or living under your contract is the most honerable.

I know Mark and all the other bankers, and I know for a fact that late fees are a major income for all banks and are factored into there performance. The banks perform at a higher level when people pay late. In this economy the banks are making more money than 10 years ago. I need to admit times are tough and sometimes I can not meet my obligations on time. But I meet them by the grace of god.

If you are doing well in this economy I am happy for ya, but Joe you are in the top 8%, the rest of us 92% are stressed and doing the best we can, it would be nice to get a pat on the back for our effort.

Banks are there to give us money when we need it, and we should pay them back plus interest, but I will not overlook the fact greed has become the norm and they could be more understanding in some situations.
the rest of the story

Chicago, IL

#23 Jan 22, 2011
This person called out Mark like it was his fault. It isn't.
joe harris

Clay City, KY

#24 Jan 22, 2011
Joe Blow wrote:
<quoted text>
Joe we have not talked in a while, we had a comming together on a subject several months ago and I am going to respect your opinion.
However I can not totaly agree with ya. Who do I choose to help, people that need help, who do I defend, people who need defending,
Who do I show the most respect to, people who dont feel like there going to be respected. Its easy to show respect to a rich person if you expect something, but to respect someone who is at your mercy or living under your contract is the most honerable.
I know Mark and all the other bankers, and I know for a fact that late fees are a major income for all banks and are factored into there performance. The banks perform at a higher level when people pay late. In this economy the banks are making more money than 10 years ago. I need to admit times are tough and sometimes I can not meet my obligations on time. But I meet them by the grace of god.
If you are doing well in this economy I am happy for ya, but Joe you are in the top 8%, the rest of us 92% are stressed and doing the best we can, it would be nice to get a pat on the back for our effort.
Banks are there to give us money when we need it, and we should pay them back plus interest, but I will not overlook the fact greed has become the norm and they could be more understanding in some situations.
hey, has been a while. i'm sorry this young lady has fallen on tuff times!i defend those who need defending, and i try and help those who need help. i wasn't defending mark, he's a big boy and can fend for himself. he has done well for himself but she wasn't askin' for help, she was blaming him for her problems. i know mark, also got a loan from whitaker thru john snedegar and upon my approval, he ask what time of the month would be best for repayment. he told me if i ran into a problem with set time, i could change it. they should have offered her the same options but maybe they didn't. i am makin' it, not even close to bein' comfortable, theres always worries but i hold my head up and make the best of everyday. i have no family, no one to fall back on so if i fail it's all on me and failure ain't an option. as i said in one post, how she presented herself was how she was taken, was i wrong, not entirely. could i have been more sensitive, absolutely. if she wants info, suggestions or opinions, she should ask, not bash mark or whitaker bank. everyone is saying we dont know her story, that is true but neither do they. they are takin' the sympathetic view and i'm takin' the "woe is me" view. banks hear every excuse in the book so they are jaded. i deal w/ the public in my job and see irresponsibility everyday. i respect yer opinions and not necessarily disagree on yer statements. i hope she can get her ducks in a row and get back on top but she needs to be talkin' to mark at the bank and not gushin' on here! take care j.b.. until next time!
X-man

Richmond, KY

#25 Jan 23, 2011
I Have It Hard wrote:
I cant keep up with my payments, I am always 3 to 5 days late. I am trying hard, with my children an a few misfourtines I have been 3 to 5 days late for six months. I am charged 29 dollars everytime I am a day late. That is $ 174 dollars. If I had that money I would not be late this month. When I talk to the bank they say its not there problem, make my payments on time and I wont be charged a late fee. I am trying so hard, Mark made me feel unworthy to stand in his pressence. He is a christen, how can he sleep. I am so beat down right now I am crying and dont wont to carry on. I am not a dead beat I really try, work a full time job, and a part time
job, I get paid very little, and what I do make big business takes, putting me further behind, I cant make it this way. Are all banks like this, Cant they be thankful that I pay them.
I don't think they charge a late fee until your 7 or maybe even 10 days late so your problem is math. You said its 5 days late. I think your blaming the wrong person for your troubles. But I do understand what your saying and the answer about the banks is yes.
Mt.Sterling banks are full of snobs and lenders who got jobs because their daddy's are on the board of the bank. If they were good lenders you never would have got a loan because you obviously were too stretched to borrow money in the first place.
fuhqu

United States

#26 Jan 23, 2011

Since: Dec 09

Falls of Rough, Kentucky

#27 Jan 23, 2011
Bank loans and credit cards are going to be the end of the common man in this country. It is even worse if you are late paying on a credit card. Some are paying 29 percent or higher because of missing one payment.

That kind of thing is pure usury. Alot of what is going on in the United States banking industry should be illegal. By any normal definition it is pure stealing.
Wow

Mount Sterling, KY

#28 Jan 23, 2011
Get over it Sultan of Nothing. It's neither usury nor stealing because people signed the dotted line after having had the opportunity to read the fine print or have it explained to them if they didn't understand it.

The end of the common man is the end of common sense and personal responsibility. Today everybody is the perfect victim and nobody on here exemplifies that better than you and your inane rants -- especially about your inability to hold a job.
workin poor

AOL

#29 Jan 23, 2011
deray wrote:
Bank loans and credit cards are going to be the end of the common man in this country. It is even worse if you are late paying on a credit card. Some are paying 29 percent or higher because of missing one payment.
That kind of thing is pure usury. Alot of what is going on in the United States banking industry should be illegal. By any normal definition it is pure stealing.
You are right, most loans are fraudulent because of the banksters greed! They seem to omit alot of things to get you to sign on the dotted line. And, you also forgot to add the electric companys to your list! When most of these loans were secured, we didn't have a clue our electric bill would ever equal our house payment...
Capital

Mount Sterling, KY

#30 Jan 23, 2011
X-man wrote:
<quoted text>I don't think they charge a late fee until your 7 or maybe even 10 days late so your problem is math. You said its 5 days late. I think your blaming the wrong person for your troubles. But I do understand what your saying and the answer about the banks is yes.
Mt.Sterling banks are full of snobs and lenders who got jobs because their daddy's are on the board of the bank. If they were good lenders you never would have got a loan because you obviously were too stretched to borrow money in the first place.
All the main bankers are related, family. Mark is a cousin to Richard is the son of Dick, Dick is the uncle of Mark, and the father of Richard. Mark is a niece to Omar, Omar is a uncle to Rich, Dick is a Brother inlaw to Omar THEN Pull the Stiegers into the pile, you get the point there in that releation also.. You are borrowing from a family, maby organized loan sharking.
workin poor

AOL

#31 Jan 23, 2011
Wow wrote:
Get over it Sultan of Nothing. It's neither usury nor stealing because people signed the dotted line after having had the opportunity to read the fine print or have it explained to them if they didn't understand it.
The end of the common man is the end of common sense and personal responsibility. Today everybody is the perfect victim and nobody on here exemplifies that better than you and your inane rants -- especially about your inability to hold a job.
The top of the food chain tends to forget one thing when times are good. "remove all of the plankton from the oceans, and the sharks will eventually starve too"
Front Tooth

Mount Sterling, KY

#32 Jan 23, 2011
workin poor wrote:
<quoted text>The top of the food chain tends to forget one thing when times are good. "remove all of the plankton from the oceans, and the sharks will eventually starve too"
We cant blame it all on local bankers, this bad economy was created by binl-lauden, ang George Bush alowed him to do it.
Been There Done That

Corbin, KY

#33 Jan 23, 2011
To the author of this post: It's always an option to re structure your loan and finances. Don't worry about what people think of you...do the best you can. Sometimes fortune is luck of the draw,and misfortune the same. Pray to God that he deliver you from this situation. Pray for understanding of the answer he provides you for it may not be what you desire. No rich man or Banker will take any of their fortune with them when they leave this world. Better to know you have been honest and treated others with dignity and respect. THAT is truly a fortunate person.
Gym Rat

Richmond, KY

#34 Jan 23, 2011
The one thing we have overlooked is what are these payments for?

@Misty-- I offered up a kind word of suggestion and it got shot down. I just spoke my mind about bankruptcy.

Everybody thinks that this person should be sympathized , yet not a one has actually asked how they can help them. No one has asked for an e-mail, phone #, or address where they can send money to help this person out.
joe harris

Clay City, KY

#35 Jan 23, 2011
workin poor wrote:
<quoted text>You are right, most loans are fraudulent because of the banksters greed! They seem to omit alot of things to get you to sign on the dotted line. And, you also forgot to add the electric companys to your list! When most of these loans were secured, we didn't have a clue our electric bill would ever equal our house payment...
yer whole statement is ridiculous! how are they fraudulent, if thats the case you could sue the bank and come out smellin' like a rose. if they omit something, the loan is void. they can't omit things then add them after you sign, thats against the law. jus' cos you can't get a loan because of either no/bad credit don't put down the system. there are alot of crooks out there, i will agree but they give you the opportunity to read all the fine print. you and all the others on here are disgruntled at banks cos yer lack of responsibilty to read yer terms. if ya did and had any questions, the loan officer is required to explain it, that's his job. true, mark is akin to alotta people and was born into an affluent mt.sterling family but he has a job with guidelines. if you don't like his loan terms you can go to another bank. as for the electric bills??? seems like thats another thread but for yer information, my electric bill thru the winter has been no more than $35 and my gas bill was $120 cos i know that'll be the next complaint on here. obviously ya'll don't take the precautions to ensure yer money is spent wisely or prepare for extra winter expendatures which in my thoughts leed to yer need of loans and cash express visits.
Wow

Mount Sterling, KY

#36 Jan 23, 2011
Front Tooth wrote:
<quoted text>
We cant blame it all on local bankers, this bad economy was created by binl-lauden, ang George Bush alowed him to do it.
First off -- nice spelling. Third Grade is tough for a lot of people even after multiple tries...

Secondly, Clinton was offered Bin Laden's head and didn't take it. That infection festered under 8 years of CLinton.

Also the economy was shredded by the collapse of the housing market. While the collapse occurred while Bush II was in office, the root cause was the changes to the fair housing act in the 90's by Clinton and company that forced lenders to make loans to people that had no business trying to buy a house. Clinton was the cause of the economy collapse.

And in case you can't connect the dots, people stopped buying houses and everything that went with it. People got laid off in all those industries. The laid off people can't buy manufactured goods such as cars and appliances. Do people there get laid off. And it goes from there. Remember enjoying 1.30 gas for a while 2 years ago? It's because it all tricked to a world wide stand still.

Actually that's almost too simplistic of an explanation, but something tells me you aren't going to get it anyway.

Do your homework and be sure to bring an apple to your 3rd grade teacher, again.
workin poor

AOL

#37 Jan 23, 2011
joe harris wrote:
<quoted text>yer whole statement is ridiculous! how are they fraudulent, if thats the case you could sue the bank and come out smellin' like a rose. if they omit something, the loan is void. they can't omit things then add them after you sign, thats against the law. jus' cos you can't get a loan because of either no/bad credit don't put down the system. there are alot of crooks out there, i will agree but they give you the opportunity to read all the fine print. you and all the others on here are disgruntled at banks cos yer lack of responsibilty to read yer terms. if ya did and had any questions, the loan officer is required to explain it, that's his job. true, mark is akin to alotta people and was born into an affluent mt.sterling family but he has a job with guidelines. if you don't like his loan terms you can go to another bank. as for the electric bills??? seems like thats another thread but for yer information, my electric bill thru the winter has been no more than $35 and my gas bill was $120 cos i know that'll be the next complaint on here. obviously ya'll don't take the precautions to ensure yer money is spent wisely or prepare for extra winter expendatures which in my thoughts leed to yer need of loans and cash express visits.

Lack of responsibilty? I think not! high pressure lending is against the law! Alot of banker's were using these lending tactics. Most of their salaries are based on the amount of money they loan...they sure don't want to scare a potential borrower away by disclosing more than they need to. Alot of banks are starting to include "dragnet clauses" in the fine print, this tactic should have to be disclosed right up front by a banker..its not in most, if not all cases. Normal people can't understand the fine print jargon in the mountain paperwork anyway. But they sure as hell don't think they can lose their house if they default on a car loan..

And fer yer enfermashun, joe harris, I have never used cash express to survive from month to month!
Blizzard

Mount Sterling, KY

#38 Jan 23, 2011
Wow wrote:
<quoted text>
First off -- nice spelling. Third Grade is tough for a lot of people even after multiple tries...
Secondly, Clinton was offered Bin Laden's head and didn't take it. That infection festered under 8 years of CLinton.
Also the economy was shredded by the collapse of the housing market. While the collapse occurred while Bush II was in office, the root cause was the changes to the fair housing act in the 90's by Clinton and company that forced lenders to make loans to people that had no business trying to buy a house. Clinton was the cause of the economy collapse.
And in case you can't connect the dots, people stopped buying houses and everything that went with it. People got laid off in all those industries. The laid off people can't buy manufactured goods such as cars and appliances. Do people there get laid off. And it goes from there. Remember enjoying 1.30 gas for a while 2 years ago? It's because it all tricked to a world wide stand still.
Actually that's almost too simplistic of an explanation, but something tells me you aren't going to get it anyway.
Do your homework and be sure to bring an apple to your 3rd grade teacher, again.
The goverment is out to get us, what are you a aid.
Gym Rat

Richmond, KY

#39 Jan 23, 2011
workin poor wrote:
<quoted text>
Lack of responsibilty? I think not! high pressure lending is against the law! Alot of banker's were using these lending tactics. Most of their salaries are based on the amount of money they loan...they sure don't want to scare a potential borrower away by disclosing more than they need to. Alot of banks are starting to include "dragnet clauses" in the fine print, this tactic should have to be disclosed right up front by a banker..its not in most, if not all cases. Normal people can't understand the fine print jargon in the mountain paperwork anyway. But they sure as hell don't think they can lose their house if they default on a car loan..
And fer yer enfermashun, joe harris, I have never used cash express to survive from month to month!
If they can't understand it, why do they continue to sign it?
workin poor

AOL

#40 Jan 23, 2011
Gym Rat wrote:
<quoted text>
If they can't understand it, why do they continue to sign it?
You are trying to inject common sense into this subject, but, the thing is shady things were indeed covered up.Thats why new laws were inacted to deal with this..
Most cases, the banker gives them no reason to read the fine print, let alone having to understand it. Ever notice when your signin that stack of loan papers how fast the banker talks? A borrower can't even here the terms, right arm, left arm, first born, left nad....

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