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View Diary: Line of credit. Line of lies. (87 comments)

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  •  There are very specific and fairly substantial (0+ / 0-)

    penalties for violating the do not call list and you can personally make out like a bandit if you're getting them.  You simply sue the company, and I believe can even do it in small claims - although I'm not certain of the details.  

    If it's some of the sham companies from other countries, you'll still be out of luck, but if it's a company in this country, make them pay.  I believe the amount of an award is spelled out in the law, and you can a judgment for each improper call you receive.

    "If you trust you are not critical; if you are critical you do not trust" by our own Dauphin

    by gustynpip on Fri Apr 19, 2013 at 08:02:53 AM PDT

    [ Parent ]

    •  Actually, not quite that simple (1+ / 0-)
      Recommended by:

      It doesn't have to be a company from another country. They just have to give you a false name. If you buy something from them, you create a relationship with them, so even if you find out their real name you can't really sue them. If you don't, you never know it's a false name until you try to go after them.

      Plus, the do-not-call list does not apply to any company with which you have a prior business relationship. So if you've ever had an account with Wells Fargo, they can call you more or less forever. If you ask them to stop calling you, they are supposed to, but if they have multiple subsidiaries then each one is allowed to call you until you tell them to stop, if you had a relationship with any one of them. And blah blah blah. The rules are honored much more in the breach, when they're honored at all.

      And then there are the companies that 'raise money for charity', by calling up everyone, getting them to pledge $100, and then giving $7 to the charity. They are exempt from the do-not-call list, and are not required to stop calling you under ANY circumstances. Even if you ask, they just have to stop calling you on behalf of the specific charity that they were calling you on behalf of, and the laws around that are sufficiently byzantine (Do they get to start anew with a new list each time they are hired by the same company? So you only get taken off the list until the current contract expires? Some of them certainly think so.) that they don't protect you at all.

      And then there are the collection companies. Which apparently can harass me with absolute impunity because I refuse to give them the last four digits of my social security number so they can 'verify that it is not me that they're looking for'. But, of course, you know that information goes into my file. Which is the last thing I want.

      I don't condone yelling at telemarketers, but I certainly understand it.

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