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Check
out these letters! I'm more than capable of doing the same for you. In
real estate, they say, "Location, location, location." With
these letters, it is "document, document, document."
For example, did you know, according to the Fair Credit Reporting Act,
it is imperative to respond to collection letters in a timely manner?
Even if you are right, and "they" are wrong ... failure to respond
can easily lead to an assumption that the debt is valid.
I have experience in relevant fields. I've battled big utilities, like
the phone company, and I've successfully worked with Public Service Commissions.Please
consider allowing me to go to bat for you! In
each instance below, the result was a total home run: With the Veterans
Administration, a first class Dell machine was awarded.With
the bank, the "debt" was zeroed.
Let Club Services do the same for you ... NOW! AND! Don't forget that
full no questions asked money back guarantee!
A DISABLED VETERAN SAVED FROM EXTRA RED TAPE:
Dear Mr. ****,(Appropriate
Veterans Administration Official)
Here's hoping this note finds you in the best of health. I am writing to you now to ask if there is a way an exception can be made to the rule which says a 100% service connected Vietnam-era veteran may not receive computer upgrades without submitting to evaluation at West Haven.
I have written to you with regard to some of my personal reasons for not wanting to go there now ... the family situation mainly, and the need to go to work NOW. There are practical reasons too. I believe the requirement to go to West Haven may act as an impediment in a way. I say this because of the potentially empowering nature of your office of prosthetics. A rule which in some instances blocks such an office from rendering needed aid should be more flexible.
I understand the need for confirmation of capability. Offices such as yours would be out of business if equipment were sprayed about like candy from a Christmas float. That would not be good for anyone.
But if the WestHaven rule is for the purpose of determining a veteran's level of competence, then I submit that I can easily display competence and need: I am about to graduate from a very highly rated school, Wheeling Jesuit University, home of the National Technology Transfer Center. I won't be valedictorian, but my GPA is around 3.1 or better, depending on the grades I pull at the end of this semester. I have specialized in computers and communication. My instructors are of the very highest caliber, many of them not just holding doctorates, but simultaneously lawyers, priests, mathematicians and more. One programming instructor, the one who taught me C++, Col. Plunkett, came to WJU from the Air Force Academy, where he was an instructor. This man was a navigator on the F-111. I have been through the wringer at this school! I am not at night school, I am not at a community college. I have as much competence as anyone in the matter of computers, and I believe my Bachelor's Degree on May 11 should serve to attest to this fact. If the requirements your office may have about going to West Haven are flexible enough to put me on your list of upgrades, please help me achieve this. I can easily get letters from my school attesting to particular needs. One thing I don't need is to leave home right now.
Thank you for considering this note
**** ********
A BANK with KILLING PENALTIES:
**** Banking & Trust Company
Operating Center
P.O. Box ****
****, **********
*****-****
Re: Checking Account **********
To whom it may concern:
At this time, (*******) is not able to pay the $****.** your institution is claiming. In order to facilitate communication, I request any future correspondence be rendered with a large font (at least 16 pnt.) as I am legally blind. I am aware of the fact that you do not have to practice such a consideration, but it would greatly help. Reading with magnifiers gives me what I call the "fly on a billboard" syndrome, and details are all too easy to miss.
After more than twenty years with your bank, through your various manifestations, forms and names, it appears we have come to that time of parting. Let me start with a point upon which we may almost certainly agree. PLEASE CLOSE THIS ACCOUNT IMMEDIATELY!!
Now it is important for me to state that I ardently disagree with the outstanding balance you are claiming. The $****.** figure was arrived at by regular service charges and by NSF penalties. It is not that I wrote checks which bounced, but automatic debits which came in from two merchants caused this ripple effect disaster. Each time these merchants attempted to collect their fees, they were rebuffed with your NSF process. Each time this happened, your offices penalized my office $**.**. The merchant in question also levied penalties against *********, then turned around and tried to hit again, which resulted in more penalties from your office and theirs.
The exceptions I make to your claim are of two categories: The letter of regulation and the spirit
Letter
Failure to notify. Your bank has been inconsistent at best in the matter
of informing **** **** about financial shortfalls. When the merchants
informed me of the problem, I made what I assumed to be adequate deposits,
only to have your bank absorb these deposits toward penalties, which caused
further approaches by merchants to also meet pecuniary shallow water which
made more computer generated penalties from both sides, yours and the
merchants, which in turn has virtually rendered our aspiring ***** *****
to be little more than digital road kill.
It only makes sense for your office to assure that your clients are aware
of their potentially foundering status. Otherwise, you get what you have
in me now: Nothing. This brings me to my second sincere objection:
Spirit
After more than two decades with your bank, you'd think even one of these
debits might have been paid. Yes, your institution is within the letter
of your regulation by double penalizing me, but you go against the spirit
of our relationship by destroying me. Or, as the slave once said, "Massa,
I can't pick the cotton while you beat me so hard!"
Think of the husband of a wife in labor. He must drive her to the hospital.
Is he violating the law by speeding? Surely you appreciate the spirit
of the law which champions the protection of human life ... even unborn
human life, even if that sometimes means selective speeding.
Similarly, the life of this new business, **** ******, it is your life
too! We mean to act as a viable contributing member of the **********
Community. We need to survive in order to serve!
The arbitrary nature of your treatment renders this company without recourse
and resource. The debiting merchants in question have been flexible with
**** *******and have agreed to reduced and reimbursed penalties. They
understand even as I'm certain your office understands.
It is ironic that these other guys are not from this area. One is in Nevada
and the other is near Boston. Here in ********, when I called your bank
to work things out, I was told to pay by the end of the month or the matter
will be taken to the Magistrate.
I only recently (Last May) graduated from college. Since graduation, there has been less money, not more! For now, our funding is out of pocket. I am a 100 % service connected Vietnam era disabled veteran. In other words, my income is fixed and limited. While I could cover those auto debits and even the occasional penalty, I do not have anywhere near $*****.**, and I do not believe it is fair for you to demand that amount at this time.
Further, I do not believe it is reasonable or right to expect this money.
So I dispute your claim of $*****.**. I propose that you take the deposits I made during this time of (for me) crisis, close this account and call it even. If this is unacceptable to you, then please consider a much lesser amount, and allow me to make regular payment arrangements.
I look forward to hearing from you at your earliest convenience. I hope we can reach an arrangement which is satisfactory to all concerned.
Sincerely yours
****** *******
cc: John Yeager Esq., attorney
Click J.Yeager's name to send him an e-mail!
OUR ADDRESS:
Club Services
Wheeling, West Virginia 26003