Lowes Consumer Credit: not the sharpest crayons in the box

[BrokeIn2010]

Got a couple months behind on a Lowes card. Playing catch-up, debating filing Ch. 13 or Ch. 7-- Ch. 7 would be the better bet for us, but we have to wait a few more months.


Get a call Monday morning:

Me: Yeah (the number was a local one, thought it was a call I was waiting on)

Lowes Employee: Yes Mr. <my name> do you understand you're over 30 days behind on your consumer credit card?

Me: Yes, and I've already made payment arrangements, thank you and have a nice....

LE: You do realize we can ruin you?

Me: *time to play* Excuse me?

LE: We'll totally f**** up your credit score.

Me: You do know you broke a handful of laws just now.

LE: So? Prove it. You f**** with me you'll never get another credit card.

Me: Fine by me. Why should I care?

LE: You ever want to work again?

Me: So you're going to keep me from getting a job?

LE: Yes.

Me: Strike two.

LE: Don't play with me.

Me: Listen, I can barely keep food on the table, the heat on, and a roof over our heads right now. And you're telling me you're going to keep me from going back to work? If I'm not working, how do yo think I'm going to pay you? Didn't think that one through did ya'?

LE: .... well...well...just don't f*** with me!

Me: Is that a threat? Do I need call the cops and take out a order of protection?

LE: What?! No, you're saying things I didn't say!

Me: To late - click -

Several calls from the Lowes the last few days, all of them dumping to a voice mail account. I'm deleting the voice-mails without listening. Let them twist in the wind.

[flyinbroke]

Ah, too bad you did not have that gem recorded. A consumer attorney would have a field day with that one.

If I am not mistaken, Lowes is GE Money. The last GEMB guy I spoke to was a total d***. Though yours wins the Ultimate D*** contest.

[BrokeIn2010]

Ah, too bad you did not have that gem recorded. A consumer attorney would have a field day with that one.

If I am not mistaken, Lowes is GE Money. The last GEMB guy I spoke to was a total d***. Though yours wins the Ultimate D*** contest.

Nah the winner was a Mastercard bill collector back when I was just married who told me to prostitute out my wife and sell drugs, or rob a 7/11 whatever it took to get the money. My lawyer loved him.

[flyinbroke]

Yeah that would win. Mine told me to get money from family and friends, or put it on my other CCs. I said that thanks to tactics similar to theirs, I had no credit left. I said the only thing with a credit line left was this loan. Shoulda asked if I could borrow from it.

[tigergem]

Wow. You guys have all the fun. I never get calls like this. At all.

[flyinbroke]

Tiger, I stopped talking to them entirely. I had a BoA call today leave a VM saying that we never finished our planning conversation. That is a lie. I told them to send a printed agreement.

[BrokeIn2010]

Listened to one of the voice-mails this morning. Nothing really spectacular, just a "we're sorry if there's been a misunderstanding, please contact their office before I consider any legal recourse so we can work out a mutually beneficial arrangement".

Not even going to return the call.

[GoingDown]

If only you had recorded this call.

I would have recorded it, told the person I was recording it (along with the date and exact time of the call), and then made a copy of it and sent it to Lowes. At the very least, you probably would have been able to get that collector fired.