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| schestowitz | writing about: | Apr 22 02:53 |
|---|---|---|
| schestowitz | See: https://www.canlii.org/en/on/onhrt/doc/2020/2020hrto1022/2020hrto1022.html?resultIndex=6&searchUrlHash=AAAAAQANQnJpdG5leSBMb3p6YQAAAAAB | Apr 22 02:53 |
| schestowitz | Then there's this: | Apr 22 02:53 |
| schestowitz | https://www.canlii.org/en/on/onhrt/doc/2016/2016hrto49/2016hrto49.html?resultIndex=1&searchUrlHash=AAAAAQANQnJhbmRvbiBMb3p6YQAAAAAB | Apr 22 02:53 |
| schestowitz | As Brandon Lozza. | Apr 22 02:53 |
| -TechBytesBot/#techbytes-www.canlii.org | 2020 HRTO 1022 (CanLII) | Lozza v. Ontario (Solicitor General) | CanLII | Apr 22 02:53 | |
| -TechBytesBot/#techbytes-www.canlii.org | 2016 HRTO 49 (CanLII) | Lozza v. IT Weapons Inc. | CanLII | Apr 22 02:53 | |
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| *Topic for #techbytes is: Welcome to the official channel of the TechBytes Audiocast | Apr 22 05:13 | |
| *Topic for #techbytes set by schestowitz!~roy@haii6za73zabc.irc at Tue Jun 1 20:21:34 2021 | Apr 22 05:13 | |
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| schestowitz[TR2] | [06:33] <DaemonFC> Could explain why he's digging around in his retirement. | Apr 22 06:34 |
| schestowitz[TR2] | [06:33] <DaemonFC> Shitshow unfolding. | Apr 22 06:34 |
| schestowitz[TR2] | [06:33] <DaemonFC> :P | Apr 22 06:34 |
| schestowitz[TR2] | [06:34] <DaemonFC> COVID shots or worse? | Apr 22 06:34 |
| schestowitz[TR2] | no context here | Apr 22 06:34 |
| schestowitz[TR2] | but | Apr 22 06:34 |
| schestowitz[TR2] | let's just say.. | Apr 22 06:34 |
| schestowitz[TR2] | i posted in my blog yesterday | Apr 22 06:34 |
| schestowitz[TR2] | 2 videos | Apr 22 06:34 |
| schestowitz[TR2] | here in the uk there is intrigue | Apr 22 06:34 |
| schestowitz[TR2] | as people see reports about surge in | Apr 22 06:35 |
| schestowitz[TR2] | 1) heart events | Apr 22 06:35 |
| schestowitz[TR2] | 2) cancer events | Apr 22 06:35 |
| schestowitz[TR2] | but to demonstrate the connection to any vaccine is hard\ | Apr 22 06:35 |
| schestowitz[TR2] | and the system is biased against your assertions | Apr 22 06:35 |
| DaemonFC | Digging around in his retirement to pay for all the health problems that didn't start up until he kept taking those damned shots, is what I'm guessing. | Apr 22 06:35 |
| DaemonFC | Also, complains that there's nobody hiring. | Apr 22 06:35 |
| schestowitz[TR2] | yes | Apr 22 06:36 |
| schestowitz[TR2] | but don't make reference to people | Apr 22 06:36 |
| schestowitz[TR2] | i saw the same days ago | Apr 22 06:36 |
| schestowitz[TR2] | or a day ago | Apr 22 06:36 |
| schestowitz[TR2] | it sort of adds uo | Apr 22 06:36 |
| schestowitz[TR2] | or does not, fiscally | Apr 22 06:36 |
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| schestowitz[TR2] | the cost of one ER visit can be a small home | Apr 22 06:37 |
| schestowitz[TR2] | depending on what they do in ER | Apr 22 06:37 |
| schestowitz[TR2] | no real regulations pertining to cost afaik | Apr 22 06:37 |
| schestowitz[TR2] | you go in there | Apr 22 06:37 |
| schestowitz[TR2] | come out with "surprise bills" | Apr 22 06:37 |
| DaemonFC | Yes, it is not cheap. Even if they do absolutely nothing you'll leave with a bill that could be over $20,000. | Apr 22 06:37 |
| schestowitz[TR2] | i think the us wanted to pass laws related to those "surprises" | Apr 22 06:37 |
| DaemonFC | The doctor walked in and walked out and that's $20,000. | Apr 22 06:37 |
| schestowitz[TR2] | some people leavee | Apr 22 06:37 |
| schestowitz[TR2] | and then sell the home | Apr 22 06:37 |
| schestowitz[TR2] | to pay the bill | Apr 22 06:38 |
| schestowitz[TR2] | and the underlying conditions are not solved | Apr 22 06:38 |
| schestowitz[TR2] | so another visit is probably | Apr 22 06:38 |
| DaemonFC | schestowitz[TR2]: You DO NOT go to the ER unless you believe that you will probably die. | Apr 22 06:38 |
| schestowitz[TR2] | that's why many take insurance | Apr 22 06:38 |
| DaemonFC | Nobody sane would. | Apr 22 06:38 |
| schestowitz[TR2] | but it is not cheaop | Apr 22 06:38 |
| schestowitz[TR2] | esp. when there is no income | Apr 22 06:38 |
| DaemonFC | So saying "I'm fine." makes this truly, unlikely. | Apr 22 06:38 |
| schestowitz[TR2] | i'm alive | Apr 22 06:38 |
| schestowitz[TR2] | not the same as fine | Apr 22 06:38 |
| schestowitz[TR2] | fine for now | Apr 22 06:39 |
| schestowitz[TR2] | we know this is chronic | Apr 22 06:39 |
| DaemonFC | Right, why would you go into an American ER if you're fine? | Apr 22 06:39 |
| schestowitz[TR2] | not a new thing | Apr 22 06:39 |
| schestowitz[TR2] | not a one-off | Apr 22 06:39 |
| schestowitz[TR2] | anyway, back to techrights now | Apr 22 06:39 |
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| DaemonFC | It's not some thing where if it's a false alarm they're just going to tell you to have a nice day and give you a lollipop on the way out. | Apr 22 06:39 |
| DaemonFC | You're fucked. | Apr 22 06:39 |
| DaemonFC | schestowitz[TR2]: Did I mention they ran a credit check on me without my permission before they saw me at the Physical Therapy center? | Apr 22 06:40 |
| schestowitz[TR2] | did they? | Apr 22 06:41 |
| schestowitz[TR2] | what are the consequences for them? | Apr 22 06:42 |
| schestowitz[TR2] | if you prove they did this? | Apr 22 06:42 |
| schestowitz[TR2] | tbh, i don't trust GPs too much | Apr 22 06:42 |
| schestowitz[TR2] | esp. because of their PCs | Apr 22 06:42 |
| schestowitz[TR2] | they feed a lot of data | Apr 22 06:42 |
| schestowitz[TR2] | into Windows | Apr 22 06:42 |
| schestowitz[TR2] | Microsdoft, palantir etc. | Apr 22 06:42 |
| schestowitz[TR2] | i tell them stuff if they REALLY need to know | Apr 22 06:42 |
| schestowitz[TR2] | but not stuff that they need not know | Apr 22 06:42 |
| schestowitz[TR2] | basically just about enough to get the job done | Apr 22 06:43 |
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| schestowitz[TR2] | but trust in privacy at nhs is eroding | Apr 22 06:43 |
| schestowitz[TR2] | because of their "big data" deal | Apr 22 06:43 |
| schestowitz[TR2] | se.g. | Apr 22 06:43 |
| schestowitz[TR2] | http://techrights.org/n/2023/11/23/Privatisation_Catastrophe_Starting_with_NHS_England_Microsoft_a.shtml | Apr 22 06:43 |
| -TechBytesBot/#techbytes-techrights.org | Techrights — Privatisation Catastrophe, Starting with NHS England: Microsoft and Partners Attack British People's Health and Steal Their Medical Records (While British Taxpayers Unwillingly Pay for This) | Apr 22 06:43 | |
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| DaemonFC | [00:41] <schestowitz[TR2]> did they? | Apr 22 06:46 |
| DaemonFC | [00:42] <schestowitz[TR2]> what are the consequences for them? | Apr 22 06:46 |
| DaemonFC | [00:42] <schestowitz[TR2]> if you prove they did this? | Apr 22 06:46 |
| DaemonFC | I didn't give them permission. | Apr 22 06:46 |
| schestowitz[TR2] | is there a law peraining to consent? | Apr 22 06:49 |
| schestowitz[TR2] | *taining | Apr 22 06:49 |
| DaemonFC | schestowitz[TR2]: They must have a legally permissible purpose before doing a soft pull. | Apr 22 06:50 |
| DaemonFC | They did a soft pull. | Apr 22 06:50 |
| DaemonFC | I'm going to freeze my credit reports again. | Apr 22 06:50 |
| DaemonFC | schestowitz[TR2]: If you call Experian they'll just hand you off to someone in the Philippines who they pay very little to get rid of you. | Apr 22 06:52 |
| DaemonFC | schestowitz[TR2]: This really pisses me off that to see a doctor they run your credit first. | Apr 22 06:54 |
| DaemonFC | What happens if they don't like what they see? | Apr 22 06:54 |
| schestowitz[TR2] | i have no idea, but similar things exist here | Apr 22 06:54 |
| schestowitz[TR2] | like, when you open a bank account | Apr 22 06:54 |
| schestowitz[TR2] | they run searches on your ID | Apr 22 06:55 |
| schestowitz[TR2] | from some unkknown third party | Apr 22 06:55 |
| schestowitz[TR2] | and who knows what they check, how to appeal etc. | Apr 22 06:55 |
| schestowitz[TR2] | they just issue some genetic statement | Apr 22 06:55 |
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| DaemonFC | I contacted the billing department through MyChart. | Apr 22 07:01 |
| DaemonFC | schestowitz[TR2]: That's ChexSystems here. | Apr 22 07:06 |
| DaemonFC | You end up in there on the naughty list for a few reasons. | Apr 22 07:06 |
| DaemonFC | They don't really give a shit how many bank accounts you open, but they log if they had an incentive. | Apr 22 07:06 |
| DaemonFC | If you open too many that have incentives and then ditch the bank and move on, eventually they may start denying you a bank account. | Apr 22 07:07 |
| DaemonFC | It's the same if you bounce checks, but obviously that's much worse. | Apr 22 07:07 |
| DaemonFC | Like most negative account information, it remains for 7 years from the incident. | Apr 22 07:07 |
| DaemonFC | So eventually you do have them "fall off" and lenders and other banks can't see that one anymore. | Apr 22 07:07 |
| DaemonFC | It's designed so that if you have a phase of your life where bad shit happens, the years go by and if you pay your bills and don't do anything "bad" then it hurts you less and less until finally there's no negative information anymore (hopefully). | Apr 22 07:08 |
| DaemonFC | So if you're 35 and you had some bad credit card charge-offs when you were 27, then those aren't listed anymore. | Apr 22 07:09 |
| DaemonFC | If the bad shit happened all around the same time, it'll fall off around the same time. | Apr 22 07:09 |
| DaemonFC | Their goal is that after spending some time in the dog house, you'll pay your bills, stop getting lumps, and they'll want to do business with you again. | Apr 22 07:10 |
| DaemonFC | The bankruptcies stay on your credit report for 10 years. But the accounts that went bad go away 7 years after the first delinquency. | Apr 22 07:11 |
| DaemonFC | So if you became delinquent on all your cards in January 2020 for example, but filed bankruptcy in August 2020, then the credit cards would fall off your credit report by December 2026, but the bankruptcy wouldn't until July 2030. | Apr 22 07:12 |
| DaemonFC | They all hurt you separately and combined. | Apr 22 07:12 |
| DaemonFC | So by the time the negative accounts fall off, your credit score isn't severely affected by the bankruptcy anymore. | Apr 22 07:12 |
| DaemonFC | More damage was being done by the computed score damage of like 11 credit cards and an auto loan, and maybe a mortgage and some medical bills, then just the fact you filed bankruptcy. | Apr 22 07:13 |
| DaemonFC | This also means you need to look and make sure they didn't make any mistakes. I had one credit card bank (Citi) that continued reporting negative information after the bankruptcy was discharged on Experian, which is illegal. | Apr 22 07:14 |
| DaemonFC | I complained to Experian and they removed the entire negative account history, including all the late payments and the Charge Off. | Apr 22 07:14 |
| DaemonFC | KIA wasn't in their office during COVID, and I disputed the accuracy of that, and it fell off two out of my three reports (Transunion and Equifax). | Apr 22 07:15 |
| DaemonFC | Capital One? I had a $16,000 card that defaulted by the time they charged it off, but they sold it to a collection agency, and I disputed it asking who actually owned the account in May, and they just went ahead and removed the entire account. | Apr 22 07:16 |
| DaemonFC | So you're not going to fix everything that way, but it certainly won't hurt. | Apr 22 07:16 |
| DaemonFC | It's 2-3 less adverse accounts following you around, or at least a partial fix (Citi deleting 6 months of Negative Information). | Apr 22 07:17 |
| DaemonFC | The lender can choose to get back in and delete the negative information, or the entire negative account. The only thing they are not allowed to do is continue reporting new negative information after you FILE for bankruptcy and get the automatic stay. | Apr 22 07:18 |
| DaemonFC | So they can only modify that account trade-line in ways that benefit or at least don't hurt you. | Apr 22 07:18 |
| DaemonFC | If they do anything after that which hurts you, they broke the law. | Apr 22 07:18 |
| DaemonFC | There's no law that says a lender can't remove adverse information from your credit report after-the-fact. | Apr 22 07:19 |
| DaemonFC | They just very rarely do it. | Apr 22 07:19 |
| DaemonFC | Whoever owns the account can generally put whatever they want on your report as long as it's true and doesn't violate the bankruptcy or credit reporting laws. | Apr 22 07:20 |
| DaemonFC | So even though they're not supposed to, sometimes they make agreements where you pay and they'll delete. | Apr 22 07:20 |
| DaemonFC | But you need to get it in writing that that's what they promise to do. | Apr 22 07:20 |
| DaemonFC | The credit bureaus don't like it, but they can't do much about it. | Apr 22 07:21 |
| DaemonFC | From their point of view, they're selling data on you that "helps others make risk assessments". | Apr 22 07:21 |
| DaemonFC | With pay-for-delete agreements, the risk assessment becomes less accurate because you've literally paid someone to delete it. | Apr 22 07:22 |
| DaemonFC | After you go bankrupt, you are a huge risk. But some lenders don't care. | Apr 22 07:22 |
| DaemonFC | They deal exclusively with these. | Apr 22 07:23 |
| DaemonFC | Your inbox will explode with bad credit offers. | Apr 22 07:23 |
| DaemonFC | Like used cars at 27% down at the Toyota dealer. | Apr 22 07:23 |
| DaemonFC | Most people who sign those lose the car, but they don't care. | Apr 22 07:24 |
| DaemonFC | They'll sell the car again while they go after you for a lot of money and you don't have the car. | Apr 22 07:24 |
| DaemonFC | The higher the interest rate, the more likely you are to lose the car. | Apr 22 07:25 |
| DaemonFC | So you need to really be laser focused on "if I do need a car loan, let's see how long I can drive the clunker". | Apr 22 07:25 |
| DaemonFC | The longer you can delay, the less the bankruptcy hurts you when this car craps out and you need a new one. | Apr 22 07:26 |
| DaemonFC | If you can get it to 9% instead of 27%, you may at least own the car someday. | Apr 22 07:26 |
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