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. Full Story
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DeLand FL Native

Kissimmee, FL

#1 Mar 9, 2008
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

Winter Springs, FL

#4 Mar 9, 2008
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

Norcross, GA

#5 Mar 10, 2008
Cruise insurance would have changed the whole outcome and made life a lot easier for them.
brisa01

United States

#6 Mar 26, 2008
Where is Greg???
mimi

Apopka, FL

#7 Apr 9, 2008
I am about to buy a house from Patrick J Torre. Now I am scare after your comment. Is he really a crook?
mimi

Apopka, FL

#8 Apr 9, 2008
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

Miami, FL

#10 Apr 23, 2008
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!

Since: Apr 08

Orlando, FL

#13 Apr 24, 2008
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

Miami, FL

#14 May 9, 2008
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

Miami, FL

#15 May 9, 2008
Here is another one, same guy for over $500,000

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

Miami, FL

#16 May 9, 2008
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...
Tom

Orlando, FL

#18 May 10, 2008
Pat and Irma belong in jail!

Since: Apr 08

Orlando, FL

#19 May 12, 2008
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

Miami, FL

#22 May 13, 2008
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

Miami, FL

#23 May 13, 2008
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.
Accountant

United States

#28 May 17, 2008
mimi wrote:
I am about to buy a house from Patrick J Torre. Now I am scare after your comment. Is he really a crook?
YES YOU SHOULD BE VERY AFRAID. HE IS THE BIGGEST CON-MAN THERE IS. TAKE IT FROM SOMEONE WHOSE EXPERIENCED HIS LIES-DO NOT BUY A HOME FROM HIM.
sedrvsfast

Oviedo, FL

#33 May 18, 2008
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!
Hey Pat, that is pretty smart of you to come up with this email address and proclaim how Christian you are. My name is not Larry Stuart and you screwed me and my partner out of over 30,000 dollars. You will pay dirtbag! By the way, Hi Jack Sullivan. We know you are involved as well.
Irish

Orlando, FL

#34 May 18, 2008
All beware Pat Torre is a liar,thief,conman.He sucks you in with his charm and then he will suck your money right from you.Rumor has it that he has conned the wrong crowd/It would not surprise me if Mr Torre goes on a long long vacation not the type you would normally volunteer to take.It is only a matter of time.Pat your time will come. God help you.
Sullivans a thief

Orlando, FL

#35 May 18, 2008
sedrvsfast wrote:
<quoted text>
Hey Pat, that is pretty smart of you to come up with this email address and proclaim how Christian you are. My name is not Larry Stuart and you screwed me and my partner out of over 30,000 dollars. You will pay dirtbag! By the way, Hi Jack Sullivan. We know you are involved as well.
We all know Jack Sullivan is involved he follows Pat around like a little puppy .Pat took him down a dangerous road.Lost his house,Went BK,lost his reputation,lost him self,cheated his friends.It is a sad life for Jack now, and its going to get worst.Jacks vacation awaits.It is only a matter of time.
Joe

Oviedo, FL

#36 May 19, 2008
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
Mimi,

My one question to you would be. Do you have a lawyer? If you plan on doing business with Pat Torre, you are going to need one because he will find a way to steal/embezzle monies from your real estate transaction. Ask Torre what happened to his title company Preferred Alliance? Couldn't be the state shut it down for embezzling to the tune of 2.9 million dollars right? Check the Comptroller site, its all there and more.
As for the gentleman who believes Torre is a saint. You are just being set up for the kill! Has he asked to borrow money from you yet? Maybe to print his so called magazine Luxury Homes and Estates that he uses as a front to charge old clients credit card numbers for a magazine and ads they never get printed. Must be nice for Torre and his wife to be driving Land Rovers and Mercedes while he steals from the common man!
If you plan on doing business with Tower Realty, Luxury Homes and Estates or any other business he has transferred into his childrens names, just bend over now!
An orange jump suit will fit Torre well.

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