letters and counting!
I was helping an old Japanese businesswoman living in Cambridge, MA because her retail business was suffering and I worked next door to it. She had been very successful over the decades but was now in trouble. She owned her home free and clear. She decided to take a home equity loan to save her business. She didn't realize that it was an Adjustable Rate Mortgage. Within a year, the rate doubled, and she couldn't pay. She lost her home when she was in her 80s, lost her business, suffered a heart attack, and died. Some bank and some broker made a nice bundle out of this woman's misery. I felt ashamed of what this country had become. Shame on the banking industry.
I had money in the bank before you decided greed was more important than the american dream for the middle class. now we live paycheck to paycheck just like we did in our 20s before we had money in the bank. now in our 50s and 60s you have stolen our american dream of living happly ever after. after that is in retirement. can we afford to retire, not on your life. we have no money now thanks to you. your greed is never ending for us. we cannot just invest because you have stolen that from us. you have left us high and dry and the worse thing about that is after you stole our money we gave you more. money we didnt have. and instead of giving that money back, you gave it to your CEOs and left us holding the bag. well our bag is empty and it will take us forever to get that money back. but we know we will never have that amount of cushion ever again because we are just to old. we don't have 20-30 years to earn it all back. living paycheck to paycheck and hoping you will have that job tomorrow is not living at all. we served our time and now we are starting all over thanks to you and your greed. and FYI we don't carry a credit card because that is a debt we cannot afford. most middle to poor american families are living off their credit cards and just think what that is doing to them. i'm sure their health is suffering for it. but i know you really could give a shit what is happening to us. if you did, you would be spending YOUR millions to BAIL us out! you people make me sick! valerie peyer 53220
Dear Mr. Linville: May I call you Jud? I have a true, horribly true, story to share with you. (Warning: Please do not eat while reading this.) I was cast in a play during my sophomore year in college in which I played a preacher. One day was a matinee followed shortly thereafter by an evening performance. Time was limited between the two shows, so I ran to my favorite nearby Mexican restaurant and wolfed down a burrito. Just prior to taking the stage for my three-minute monologue, my bowels rumbled with considerable fury. I’ll leave it to your imagination to fill in the details, but needless to say, I didn’t make it to the bathroom in time. (There’s a cruel life-imitating-art thread here too, as the character I was portraying suffered from Mexican food-induced irritable bowel syndrome, preventing him from delivering a eulogy for a grieving family.) But the show must go on; I cleaned up the best I could in the limited time frame. Prior to taking the stage, I sucked up my pride and apologized to a group of my fellow actors who were to follow me out on the stage for my monologue. I knew the smell would be unavoidable, but I simply and politely requested their forgiveness. This was perhaps the most embarrassing episode of my life, and I suspect that walking out in a theater full of people, wearing soiled pants and delivering a three-minute monologue would be for most people. But I came out of it better: I’m more humble (as I type proudly) and I don’t take myself too seriously anymore. But recently, I’ve formulated another interpretation of this story…prepare all you want, sometimes the best laid plans are foiled by outside forces, and with a bit of inner grace and the forgiveness of others, you can go on. You see, I applied for a credit card with your organization while still a college student. Originally, I believe it was a $1500 credit limit at about 16% interest, and now is $8700 limit at 23% interest. (My interest rate increased despite making all payments on time.) I had not missed a payment until this past June, when I had no choice due to a cross-country move, the birth of my first child, and temporary unemployment as a result of the move. I am presently gainfully employed, and I am working hard and loving it, but the income can only barely cover my family of three, much less the money needed to pay down past debts. My experience with Citi has been one in which the organization isn’t too understanding or forgiving or flexible in working with folks to fairly and affordably repay their debt. You’ve worked hard and gotten very far. I sincerely congratulate you on your success, but the formula hard work=success that applies to you does not necessarily apply to me and most of my peers. We work hard and get nowhere, usually (but not always) due to no fault of our own, as if spinning our wheels in place. We signed implicit social contracts that college was a good thing, college loans would be manageable in pursuit of that, and that credit cards were a tool to provide some liquidity and help create wealth for card holders, not just card issuers. In recent years, I’ve found that those assumptions are no longer part of the contract. Briefly, I have (quite accidentally) financially soiled myself. So I have two requests of this letter: (1) Please affirm my faith that corporations and the people who run them aren’t heartless sociopaths by forgiving the balance of my credit card debt (just as Citi was forgiven by taxpayers for overextending itself three years ago), and (2) Please share with me your story, what’s made you successful, and any ideas you have for folks in as wildly differing financial situations as we are to work together and build a stronger nation. I patiently await your reply. A Citi credit card did not provide the liquidity I expected to help me create true wealth; but forgiveness of that same debt can. If you made it this far, thanks for reading! Have a wonderful day.
Hope you like my post on google today. Firstname John CA 12345 US
Hope you like my post on google today. Firstname John CA 12345 US
Money.... | 0
Dear Brian, I actually still have an account with you. Want to pay me bak all the rediculous fees you have made me pay. My guess is it adds up to about 400 dollars. That's a lot of money for me. Thanks.
please | 0
please think about all the lives you ruin just to have a lot of 0's in your bank account!!!
Just a few questions: How much did Verizon actually make last year and how much are they paying back in taxes this April 2012? Can you personally help the American economy get back to a level where everyone who lives here has the ability to live life to the fullest? And do you personally care if someone's children do not have any food to eat, or a bed to sleep in because they were laid off from their job?
I want to be your pal so I can learn how to get by with letting the other guy pay the bills. After all paying taxes is for the 99%...not us
Melvin L. Haun Sr
Hi Lloyd | 0
Apparently, you keep getting bonuses, apparently without reason. I would like some bonuses too.
What up my man | 2
Hey Lloyd, me again. Wow, Greg Smith really gave you guys a shot across the bow, huh? The universe is a funny place, isn't it? All those years you treated your fellow human beings like suckers and idiots, you know, like you thought you were smarter than everyone else. Bet you thought you were smarter than God too. Now you know you weren't. Greg Smith is the first domino to fall, heralding, the slow collapse of Goldman Sachs. Think about it Lloyd, how can an investment company exist and profit if people don't trust you? Why would rich clients, and big institutional investors give you their money when they know you think they are muppets, suckers, and idiots who exist only to enrich Goldman and to be lied to and used for profit? I don't know a lot, but I do know that no one likes being hustled, but rich business people and hyper competitive hedge fund managers REALLY DON"T LIKE THAT. Shoot, their egos are about as big as they come, and many are lacking in that thing called compassion. They will not forget this. Guaranteed. I can't tell you what to do, but the longer you allow the culture to continue then the more likely a bigger blow will come. Greg Smith will wind up in a better position than you will after all is said and done, because he acted with integrity. Wish I could say the same for Goldman, although there is still time to change.
I'll cancel my cell phone and combined land-line, and television services as soon as my contract with Verizion is up, and am encouraging friends and family who use Verizion services to do the same. Bargain in good faith.
Hi John! | 0
It's your buddy Archander again. How you been doin' since my last message? It's a little disappointin' that you haven't replied to a single one of my letters. But don't worry - I don't have the problems with anger I used to. I'm a cool dude these days buddy! Just ask around the cell block! John, as I was sayin' last time, I feels that you an' I BELONGS together! Neither of us cares a hoot about anything or anybody but ourselves, because we just likes' havin' money an' you gotta screw people one way or another to get a lot of it. True, my way of making it was illegal and yours wasn't. But the way I looks at it, everybody is sayin' that the way you do it should be made illegal, an' already IS immoral (whateva that means). So I reckons we're the same, brother! I'm comin' to the Big A in April John, an' I'd love it if you an' I could hook up for a while. How about the first Friday in April, John? I'll be hangin' outside your building in the morning from early on, hopin' to catch you as you walk in for another day of lootin' and stealin'. Just look out for a big coloured guy. I'll be lookin out for you for sure! Keep the coffee pot warmed!
We're tired of your arrogant behavior and will show our position when we make our purchases!! wallace pearce 95694
Its time for you to help those who have fallen victim to home foreclosures that have brought you profit. Resign your position and change your ways. Wealth gained at the cost of suffering is not wealth. It is a burden that will stay with you. Perhaps you can start a non-profit that helps families in foreclosure from losing their homes, or just contribute annually to charities that help victims of foreclosure.
Vikram, we can't go on like this. If the world found out. . .well, they wouldn't understand. I hope you do. And by the way, the doctor said that it wasn't transmittable that way.
As a former CWA member and telephone operator and now a current Verizon shareholder, I would like to stress the importance of fairness in our economy. Profit gained from exploitation of workers is not honestly earned or sustainable for the long term. Please work with the unions and help keep America strong.
Joy E. Simpson
Please pay your taxes. This is good for America, your customers, and your shareholders.