CashNetUSA is The Dumb

 

I've never been as happy about anything as this woman is to be taking out a loan to fix maybe thousands of dollars of water damage done to her roof.  She really looks like her day was made when the ceiling collapsed, drenching her husband, because apparently nothing gives her a thrill more than whipping out her phone and committing both of them to paying off a high-interest loan.  Just a couple of questions that don't involve questioning the mental state of a woman who beams from ear to ear simply because borrowing money is easy:

1.  Are you even going to call a carpenter, plumber, or any other professional to give you an estimate on how severe the damage is or how much it's going to cost?  Or is the plan to just borrow a certain amount of money and hope it's enough?  If the latter is the case, how did you go about buying that home- did you just borrow a massive chunk of money figuring "yeah, a house should cost this much?"

2.  You sure took out that loan fast.  It's like you just wanted to borrow money and were waiting for an excuse.  That's really weird.

3.  Do you guys NOT have homeowner's insurance?  Isn't that a legal requirement pretty much everywhere?  I can see jumping to file a claim, NOT to take out a loan.  

4.  You guys own a home, and the best option you can think of when you have an unexpected repair bill (and again, you don't even have a bill yet) is to use the same service people who DON'T have property they can use to get a SECURED loan use?  That would be like if I ignored the money I have in the bank and my credit cards and just toddled off to Aaron's to rent a tv, or if I ignored my driving record and sought car insurance from one of those by-the-month pay-through-the-nose barely-legal-coverage places.  What is the matter with you people?

Community Tax understands you deadbeats

 

"If you owe the IRS $10,000 or more...."

First, you don't owe "the IRS" anything.  You owe the American people $10,000.  Which means you owe your neighbors, your community, your friends, because you haven't been paying your fair share.  That "Freedom isn't Free" bumper sticker doesn't mean "Support the Troops By Putting a Bumper Sticker on Your Car and Voting Republican."  It means that it costs money to keep a stable society which includes infrastructure going.  And if you want to enjoy the benefits of that stable society, you have to pay your fair share.  And you haven't been, so

Second, stop shaking your head at those pieces of paper on your coffee table in your Suburban palace.  Shaking your head isn't going to make those pieces of paper- which I assume are friendly reminders that you live in a stable society and haven't paid your fair share- go away.  Neither is some scammy bs "Tax Service" which paints the Internal Revenue Service as an Evil Monster trying to Victimize your poor, innocent, All You Wanted Was To Not Pay Taxes and Also Not Face Any Consequences Self.  

Third, I don't care what the state of the economy is presently, and neither does this "service," because they use the same script whether we are in a recession, depression or boom times.  No matter what year it is or what the unemployment rate is or where the stock market is at, these commercials are always bleating about "these uncertain times" and "the current economic downturn."  Know why?  Because people who owe taxes always think times are bad.  It's like that old saw that a "Recession" is when your neighbor is out of work, and a "Depression" is when you are.  These ads target people who are living on the margins (usually due to stupid decisions like overpaying for cars and houses because I Want It and I have a Right to have It Right Now) and figured they could just save some money by not paying their taxes.  In other words, Stupid People who love to be told that their situation is Anyone's Fault But Theirs.  Telling them "times are really tough right now, we understand" is going to get a response because it implies that "everyone" is in the same boat, never mind that the vast majority of Americans actually pay their fair share even if it means doing without because they haven't figured out that Responsibility is for Suckers. 

Fourth, I hope all these people end up in jail.  I have a right to feel that way- I pay my taxes.  I pay my fair share.  I don't live off others and I have zero respect for anyone who thinks paying taxes just isn't something smart people should have to do if they want to use that money for something else.   I'm just weird that way.

Creditrepair.com; an easy go-to on a Sunday morning

 

There's a radio version of this ad running pretty much constantly on Sirius/XM which features some smarmy jackass pretending to quiz people on their knowledge of the importance of a good credit score.  He asks them what a "good credit score" is, and a woman guesses "600?" to which he mockingly replies, "sure, that's good, if you want to pay thousands of dollars in extra interest."  If you have a radio, you've probably heard this ad.  

Anyway, the host eventually asks a guy "does paying your bills on time improve your credit score?"  And guess what- when the guy answers "yes" the host responds "sorry, no."  Which breaks my rage meter, because as I've been preaching here for years, paying your bills on time, every time is the No. 1 way to keep your credit score high, or to improve it if it's not where you want it to be.  Creditrepair.com outright LIES to make it sound like your credit score is out of your control, so you need to use their "service."  It would be as if Optima Tax Relief told you that you CAN'T deal with your tax issues with the IRS on your own, instead of carefully telling you that you SHOULDN'T.  It's crossing a very fine line between Possibly True and Downright False and I wonder why the United States has such lousy consumer protections when it comes to misleading advertising.  (Actually I don't wonder; it's called Capitalism, cloaked with Buyer Beware with a nice coat of Ignorance is No Excuse.)  

So the idiot scam artist in these ads is basically telling his intended victims that they have no control over their credit score, which means it will be low, which means they'll never get that new car and house and vacation they "deserve," unless they hire this company which knows how to fix credit in ways that are unavailable to the intended victim, which is yet another lie.   Thanks for the material, Creditrepair.com.  You never disappoint. 

The first of several comments concerning DriveTime Commercials, you can be sure of that.

 

How does this stupid wall of noise convince anybody to use this service to buy a car?  How does it convince anyone to do anything other than make a mad lunge for the remote and the mute button?

Oh, right- this is all about convincing people with crap credit and no money that their crap credit and no money does not necessarily translate into No Car.  Sometimes, it can translate into Car That Will Hang On You Like Lead Weights As You Struggle To Remain Afloat.  Oh but it's so fun to imagine your phone vomiting money and building a "money man" or whatever the hell that stupid woman says as the other stupid woman does a stupid little dance.  For the stupid audience.

Meanwhile....comments are turned off for this video.  That means you KNOW its bad, because YouTube is where people with no taste and no sense of humor go to tell the world how rib-spitting funny and awesome every commercial out there is.  And to ask what the music in the background is called.  Because Stupid People.

How to file a claim with Car Shield in Seven Easy Steps!

 

Step One:  Call our convenient toll-free number.  It's free!  It's the only part of our service that's free, so you might as well use it.  For free!

Step Two:  Wait on hold for a minimum of twenty-five minutes while our Dedicated Operators deal with other frustrated, worried customers who are dumb enough to think that they are actually going to benefit from the "insurance" and "peace of mind" they think they've been paying for for months if not years. Enjoy the tinny music running in an endless loop periodically interrupted with messages like "your call is very important to us" and "did you know that you can save us even more money by not bothering our operators and just filing a claim which we'll totally ignore online?  You get the same non-service online as you'll get if you keep waiting on the phone, stupid!"

Step Three:  Actually file a claim which will be carefully filed in the circular file container next to the operator's desk which looks suspiciously like a trash can.

Step Four:  After three weeks or so, call back to be told that your claim was rejected because the damage done to your car includes items that are not included in the All Covered Parts are Covered covered list.  Should have read the fine print, stupid.

Step Five:  File an impotent complaint at the Better Business Bureau website, which you think will do something because you think that the BBB is some kind of government watchdog agency when in fact it's just another private company that has done an extraordinarily good job convincing people that it's some kind of government watchdog agency.

Step Six:  File an impotent complaint with Ripoff Report.com, which will accomplish exactly as much as that BBB complaint accomplished:  it will help you blow off some steam about the money you wasted.  

Step Seven:  Admit you paid the Stupid Tax and never, ever buy into Car Shield, Home Shield, or any of these BS "extended warranty" scams again.  

All of these car "warranty" scammers use the same script.

At least three or four times a week, someone calls my mother's land line to "offer" an "extension" of her long-expired car warranty, and having chatted with these disgusting scammers (scambaiting is kind of a hobby of mine) I can anticipate the script with almost 100 percent accuracy.  They all offer an extension of the same warranty mom had when she bought the car brand-new.  They all offer exactly the same "coverage," and they all offer a caveat that she must accept or decline during the phone call "because people might decline and experience car trouble and then try to get coverage"- never mind that none of these bottom-of-the-barrel scum-suckers require a pre-coverage inspection but instead are willing to take the customer's word for it that no warning lights are on, there are no current problems with the vehicle, etc. etc. etc.  They do vary widely in how much money they want to steal from you- we've been offered "coverage" of anywhere from three to five years in length, costing anywhere from $99 to $350 per month.   Other than that, though, all of these people seem to be using the exact same script they picked up from EasyScammer.com (if such a service exists.)  

I've noticed that recently these companies are using Indian call centers to make the initial calls and then transferring us to American "salespeople" to "complete" the transaction once we express interest.  I'm assuming that this is done to cut Scam Overhead costs while increasing the likelihood of pulling off a successful scam (certainly an American is more likely to trust someone who doesn't speak in broken English with a thick Indian accent while claiming an obviously fake English name.)  This phenomenon certainly makes ending the call more interesting- when Indians realize you are scambaiting them, they usually just hang up or at the very most curse you out for a few seconds before cutting off the call.  Americans are more willing to get involved in insult-hurling contests, as if I can be judged, let alone shamed, by a guy who chooses to make his living by trying to rip people off.

Anyway, I guess that this particular company has amassed enough income to buy commercials on low-viewership channels, competing with endless ads for Nutrisystem and BS "Medicare" deals that dominate airtime between crap movies and reruns of the Andy Griffith Show.  But they are basically just more expensive versions of what you can hear over the phone if you swipe right for Scam Likely. 

(BTW, I do appreciate the generic fees included in the receipt shown in the ad and especially the way the "total" amount is circled in red followed by Sales Tax, as if the customer isn't at all concerned about the Sales Tax.  I guess maybe I wouldn't be all that concerned either after paying all that money for Shop Fees and Oil.  Hysterical.)

Picking on BMW Again

 

Just back from a week at Hampton Beach New Hampshire- which is most definitely not The Hamptons, but is in fact just one of the more popular of the hundreds of beaches in New England featuring Arcade-littered boardwalks offering culinary delights for any palette as long as it's limited to fried dough, hot dogs, cheap pizza and ice cream, cramped cottages a five-minute walk to the beach renting for $1000 or so a week, and tinny bar music mixed with the sounds of those arcades you can't quite ever get away from (if you were indifferent to the song "Sweet Caroline" when you first visit a New England beach, you are guaranteed to loathe it a week later.  Seriously, it's the freaking National Anthem of this region.)

And my very first day back, I'm greeted with...this.   A reminder of how awesome it must be to own a palace in Hawaii with a marble driveway to park your tricked-out BMW in.  Uh huh.  I'm as sure that this is 100 percent accurate as I am that it is 0 percent relatable.  Where's a devastating typhoon when you need one?  Isn't Hawaii due for a volcano eruption?  Give me SOMETHING here.