The Chit Chat Chit Chat Thread

Cesar R M

Cesar R M

Well-Known Member
In other news..

Cant believe how full of crooks banks are in my country.

Mom got victim of a fraud, where a young kid trained in "fast hands" took her card and replaced it with another, then went to an expending spree of 2,000 USD worth of stuff AND a Mac computer.

We called first the bank, and told us that we had to make an official report to apply the card shield who supposedly has a stupidly low 500 USD protection and refused to protect the rest. Despite the card being reported as robbed in a mere pair of hours after it was taken.
Then they gave us a list of things "to do" to be able to get that "protection" (which is not instant and requires making the police report..etc..etc..)

Since my mom as bronchitis, I had to do everything myself and go to the bank for her. They were VERY UNHELPFUL.

My mom then decided to do her best effort and called the government line of credit card protections. and turns out that making the report to the bank with their instructions actually prevents the investigation office of the government (which handles the consumer protection of banks, credit cards, etcs..) leaving you at the whim of the Bank and "their investigation" (aka dirty instructions so you only get the crappy 500 USD protection and not the full protection they were supposed to give, which is 100% protection on the next 48 hours as per federal rules).
These instructions were on purpose so the victim actually loses the money and the bank gets away with no paying anything they should.

These things are even more sketchy since my mom's debit card supposedly had a maximum buy and retire per day limit of 350 USD, yet the thiefs removed and buy more than 2,000 USD in Mexican Pesos!.
Second, my mom's card is supposed to send SMS and calls for anything "suspicious". They DIDN'T send anything at all.
So either the thief was extremely well trained to fool protections, or he had help from bank operatives (which happens).

Worst of all, this happened in another state.. which means my mom has to travel (look how stupidly dumb the laws are..) to make the report IN PERSON.. and hope for the best.
 
Gabe1

Gabe1

Ivory Tower Squabble EST 2011. WINDMILL SURVIVOR
Songbird76 said:
DH is driving me nuts!! We have such different planning styles. The Harry Potter package JUST opened up for 2019 dates on the Universal site...I've been keeping an eye out, because that's the one we wanted to do. So I checked today, and it was up. So I price it out, send it to DH and tell him what it includes, and tell him we need to figure out what dates exactly we want. And now our whole plan is wonky again. He doesn't want to splurge on staying at the Poly, even for a night, and he thinks there's got to be a way to get Magical express to the airport without having a flight so we can rent a car there instead of at Disney, so we wouldn't need to go back to Disney after Universal Studios.
And he doesn't think the photo package is worth it for the HP package, so we're not doing the HP package. And he doesn't want to pay much for a hotel between our Disney and Universal stays...we're taking a few rest days. So now he's looking at cheap hotels. Last time he did this, we ended up in the carp hotel in Cologne. But this will be 4 nights instead of just one, and if the place he picks isn't decent, there won't be anything else available last minute, so we'll be stuck there.
The thing about hubby is that he has a really high IQ...he's very smart and logical. But he's also much more of an "efficiency" planner, where I'm more emotionally motivated...I choose things because they MEAN something to me, or because I want a certain experience. HE chooses things because of how inexpensive and convenient they are. So now my carefully researched and thought out plan to cover all the bases has been thrown into the wind in favor of saving some extra money. But at what emotional cost? We PROMISED the kids we were going to stay at the Poly for one night....now he's decided that staying at Universal's version of the Poly is an acceptable replacement. So now -I- get to tell the kids in the morning that we don't get to do that after all. I think I might actually make HIM break that promise himself. It's his decision, he can deal with the consequences.
Click to expand...

I'm sorry.

I'm guessing he is comparing the Portofino to the Poly, both Deluxe resorts. I've stayed at both and I love Portofino but they are so different. If he is talking Royal, it is beautiful. The pool is beyond awesome, the beach I believe is still playable with water and sand. It is an awesome hotel and I like the lobby more than the current Poly lobby. But if the Poly is a real bucketlist for you nothing is going to help fix this. Could you try and win 'that one' the Poly and compromise on something else? If remembering correctly this trip is because of your Dad passing and inheriting the funds to make for memories??? I hope I am remembering correctly. Maybe you can try and appeal to it is very important to 3 family members and maybe he could suck it up and let that happen?

As I look back at all the planning I did for Disney trips for 25+ years I am thankful I was able to plan and pick it all. Back then there wasn't the 180 days nor FP+ so we all picked what we wanted to do, taking turns each day. Blessed that way. I have passed those reins onto my daughter and when she asks if this sounds OK my reply is always YES.

And I agree, if he wants to be the bad guy dump'n the Poly after it was agreed, I'd certainly let him tell them, no way should that be coming from you. Hope it works out better.

EDIT: There are some fine hotels immediately around Uni but be so very careful about which directions you go off into picking a cheaper hotel. Some are very dicey now.
Suggest The Unofficial Guide to WDW and Universal. They spell it out. You need that if not familiar with those areas.
 
Figgy1

Figgy1

Premium Member
Songbird76 said:
Yes, that's the plan. We do magical express to Caribbean Beach where we have 2 weeks. Then we would take magical express to back to the airport so that we could rent a car, then have a few days of rest, pool time, etc, then 4 days at universal and then bring the car back to the airport and fly home. Originally, I wanted to rent the car from Disney so we wouldn't have to figure out how to get back to the airport when we have no flight, and then after universal, we'd just bring the car back to Disney and stay one night at the Poly so we could take ME back to the airport to fly out. He thinks the Poly is too expensive. We're already spending enough on this vacation.
Yes, it's from the money that I inherited from my dad's estate. We disagree on where to vacation. If it was up to him, we wouldn't be doing Disney at all. When I mentioned we could do a nice long Disney trip, he said he didn't want to spend all the money traveling to Disney. He'd like to travel in the Netherlands. We LIVE in the Netherlands....we've been most of the places we want to go. There is nowhere here that I want to spend 2 or 3 weeks. I told him of course we weren't going to spend ALL of it traveling to Disney, but there's enough there to do Disney AND travel other places every couple of years. And I don't want to pull the "It's MY inheritance" card, because we ARE married, so it's OUR inheritance, but I feel like I SHOULD get a say in it and not just only do what HE wants. He has a tendency to change my plans whenever he thinks his way is better, without really knowing why I planned it the way I did. Like the car rental...I planned it like I did because I knew we wouldn't have a flight number to give to ME, so it made more sense to rent the car from Disney, and if we were going to stay one night on property for the ME back to the airport, I thought that was the perfect opportunity to stay at the poly. He agreed to it at the time, and then last night when I was going through the itinerary with him, he insisted it would be so much better to rent from the airport so we didn't have to spend the money on the Poly.
He does this constantly. We'll plan to visit his parents in the weekend and I'll ask him Friday night "What's the plan for tomorrow?" and he'll say he doesn't have a plan. So I'll say "Ok, why don't we plan on leaving at this time so we can do such and such and be there at this time, etc" He'll say it sounds good, and then the next day, when we're supposed to be leaving according to our plan, he'll still be lying on the bed with his computer, not having showered or anything. And when I try to get him going, he says "Well, we don't really need to be there before lunch, right? I figured we'd just leave after lunch." Well why didn't you SAY that when I asked you and why did you agree with what I said when you had no intention of doing that?? I think he just doesn't even listen when I try to plan...he just says "Sure, that sounds good" but he has no idea what he just agreed to, and then when it comes time to do it, he just changes the plan. If he's not dressed, we can't leave, so it's not like I can force him to follow my plan. He knows he can control it. He agrees to whatever I said so he doesn't have to argue with me, but has no intention on following through with what I said...I don't even think he HEARS what I say...he just agrees so I'll shut up and then he does what he wants anyway. I love him, but this is my biggest pet peeve with him. I guess if this is the biggest problem in our marriage, we're doing pretty well.
Click to expand...
What size frying pan do you want?:angelic::angelic::angelic::angelic:
 
Figgy1

Figgy1

Premium Member
Songbird76 said:
That's what I had planned that he doesn't want to do now. That is why I'm so upset..that has been the plan for months, that he said "Sure, let's do that. That sounds great" and NOW he says no, that's ridiculous...the Poly is too expensive. He's not paying $500+ for one night in a hotel...Universal MUST have a shuttle service. And I reminded him that even if they do, we still have to take the rental car back to Disney, so we need to get from DISNEY back to the airport, and you can only get ME if you stay on property....so we needed to stay on property anyway. So then he asks "Then why are we renting the car from Disney? Why can't we just rent a car from the airport?" to which I replied that we CAN'T get to the airport without ME, and for ME, we need flight numbers, but we aren't flying out that day, so we won't HAVE flight numbers. The thing is, he hasn't done ANY of the research, so he doesn't know how any of it works. He wants me to do all the planning, but he wants me to do it his way, and he has no idea how any of it works, and then doesn't understand why we can't do it his way. But if you tell him "Because that's not how it works." he goes "Well, that's a really stupid system. Let's just do THIS instead." and then I have to go back and figure out if that's even possible. If it can't be done his way, he doesn't want to do it at all.
Click to expand...
UNI does have a shuttle service but for 4 uber, lyft or taxi may be cheaper. It may be cheaper to car service to UNI stay at Endless summer and only rent a car if you need to from UNI. You can rent one there but if your off days are at a UNI hotel you may not need one. I believe the new one will be on the I drive bus line.
 
Figgy1

Figgy1

Premium Member
Songbird76 said:
That was the one that was $138. The 79 is for only one person. Once I plugged in our information, it was 138 per night. I don't see how marriot can be cheaper than a value at Universal, but DH says it is, so ok. I told him if he was going to insist on staying somewhere off property, he was going to have to do the research.
Click to expand...
Make sure you research the neighborhood if you're going outside the bubbles
 
MinnieM123

MinnieM123

Premium Member
MySmallWorldof4 said:
I always had an interest in the Amish and how they lived. There are some near where we live. They installed our Amish made swingset. We see loads of Mennonites everywhere around town though. At first when we moved here it was weird, but now it is just normal. They shop like the rest of us.
Click to expand...

That must be interesting where you live. As for the swingset, I'm assuming it's made of heavy wood? (I'd think the Amish would work with wood and not metal?) Anyway, I'll bet it's really nice.
 
MinnieM123

MinnieM123

Premium Member
Cesar R M said:
In other news..

Cant believe how full of crooks banks are in my country.

Mom got victim of a fraud, where a young kid trained in "fast hands" took her card and replaced it with another, then went to an expending spree of 2,000 USD worth of stuff AND a Mac computer.

We called first the bank, and told us that we had to make an official report to apply the card shield who supposedly has a stupidly low 500 USD protection and refused to protect the rest. Despite the card being reported as robbed in a mere pair of hours after it was taken.
Then they gave us a list of things "to do" to be able to get that "protection" (which is not instant and requires making the police report..etc..etc..)

Since my mom as bronchitis, I had to do everything myself and go to the bank for her. They were VERY UNHELPFUL.

My mom then decided to do her best effort and called the government line of credit card protections. and turns out that making the report to the bank with their instructions actually prevents the investigation office of the government (which handles the consumer protection of banks, credit cards, etcs..) leaving you at the whim of the Bank and "their investigation" (aka dirty instructions so you only get the crappy 500 USD protection and not the full protection they were supposed to give, which is 100% protection on the next 48 hours as per federal rules).
These instructions were on purpose so the victim actually loses the money and the bank gets away with no paying anything they should.

These things are even more sketchy since my mom's debit card supposedly had a maximum buy and retire per day limit of 350 USD, yet the thiefs removed and buy more than 2,000 USD in Mexican Pesos!.
Second, my mom's card is supposed to send SMS and calls for anything "suspicious". They DIDN'T send anything at all.
So either the thief was extremely well trained to fool protections, or he had help from bank operatives (which happens).

Worst of all, this happened in another state.. which means my mom has to travel (look how stupidly dumb the laws are..) to make the report IN PERSON.. and hope for the best.
Click to expand...

Gosh, Cesar, that is awful. Just wondering if you've also checked any online message boards, etc., for how others down there have dealt with similar problems. (Sometimes attorneys may even share information online to help others.) It certainly seems like you've done everything you could possibly do to try and fix the problem. Sad for both your mom and you. :(

(Just a random thought for the future--could she maybe get two accounts--one that is NOT tied into any sort of bank debit or credit card, and one that is tied to a card (with a much smaller balance--for when she needs to use it for certain purchases). That way, she'd always still have money in the non-card account, if heaven forbid, this type of situation ever happened again.)
 
MinnieM123

MinnieM123

Premium Member
donaldtoo said:
Done with mini TR for tonight! Thanks for reading! Will try to, finally :rolleyes:;), finish up tomorrow...!!! :)
Click to expand...

In the shopping area, I loved seeing the palm trees throughout--so tropical and pretty. :inlove:

On the dock area, I noticed the "taxi" -- a man driving a bike with room for two in the back, under a canopy. I'd like to ride in that--not to go anyplace specific, but just to take a ride in it!! :joyfull: That looked like fun. :happy:

The towel animals on your trip were beyond amazing!! :cool:
 

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