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Fraud in a BIG WAY
Posted by Vanonrockyroad on 12/27/2004
MARS HILL, NORTH CAROLINA -- I received a "Clean Sweep" offer through the mail to pay off your high balance credit card debts with a very low interest rate in the range of about 4.99% to 6.99%. This bunch took my information over the phone and I was given a line of credit to payoff all my credit cards. Which, I done immediately. I was working making $60,000 a year, until very suddenly I became disabled and I an now receiving Permanently Total Disability Payments each month. I explained that I needed to consolidate my debts in to one low monthly payment. I was told that my payment would be around $350.00 per month for 92 months. That was O.K. with me. However, when I got my first Statement, it showed a $690.00 transaction fee, my monthly payment was over 550.00 per month, and my interest rate was 54.99%. Needless to say I had a mini-heart attack and called them. They were very rude and acted liked I never talked to them and said I signed a loan application, which I never did. This was all done by phone. They sent me a copy of my application, and it was totally bogus. Nothing on that application even pertained to me and I never signed it. Now they have destroyed my perfect credit rating, and all I get when I call - is someone telling me that I am a liar and that they are going to sue me. I told them to bring it on, because I would love to show the Courts what kind of Fraud they are producing.
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Posted by AZJEM on 2004-12-28:
I don't know what I can say that will help you, but I do agree MBNA is a total clip artist. I paid them in full, even though the next month they still added the percentage charge-o.k. I paid that then sent our two cards shred up in a million and one pieces. Terrible customer service (after they have your account). And I can't believe it would be legal to charge 56%. Hope someone can offer you some help with this. Good Luck!
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Posted by Pdmasta on 03/15/2006
I used to be employed with MBNA back in 2005. I was in their elite sales team counter offer. Basically our job was to sell as much as possible, as fast as possible, and if we were good enough, smart enough, sneaky enough, we wouldn't have to do it all legally. CRC regulations said that we were able to do . this, this and that. MBNA pretended to care, pretended that we were all be listened too, pretended that if we didn't do exactly what the law required their would be swift punishment. Well, that didn't happen. You see we used to sell insurance as well as loans. We had a bunch of really good sellers on the team, one guy in particular used to sell 10-20 p3's a day (thats what we used to call them) I remember everyone wanted to know how the hell the top sellers sold their stuff, what did they say? what did they do? You'd think the entire management team would call a meeting and go over EXACTLY what was done, exactly what was said, no. Never happened, because it was illegal. Things that were not mentioned, say specific fees or charges for a loan or particular insurance were not mentioned to the customer. Perhaps the customer was listening, but the sales rep was speaking too fast, or just as the IMPORTANT parts came up, he would hold down mute for a fraction of a second. Everything was monitured, but they couldn't tell when you had MUTE pressed down. There were a lot of tricks, a lot of lies. People would complain EVERYDAY that they paid ONTIME. MBNA were very very smart, never told anyone it took 2-5 business days to get the money, and mbna made damn sure it took 5 days to process ANYTHING. They wanted everyone to default on their payments, everyone to pay higher interest. I know for a certain fact that MBNA would not correct their phone list if a person had moved, I know for a fact that people were called every week, every day for months, for years even. I know that deceased customers would still get calls. Their widows answering the phone for the 35th time and telling us that their husband died. MBNA was ruthless. And did they reward you for all the hard work? no! they gave us chocolate bars for more energy. They'd demand overtime, overtime overtime. Why aren't you working this saturday? I got a family...? DOESN'T MATTER! NO FAMILIES, NO OBLIGATIONS, !
They didn't want you to leave. I think one of the worst things MBNA did was sell to people who really didn't speak enlish that well. We were all forced to bully our way through sales, even if the person didn't understand what you were saying, just keep pounding away and they'll eventually fold, and take the money. Directors Club. What a joke.
This was MBNA's "idea" to reward top sellers, problem was, the 'leads' or 'call lists' that the top sellers would use would be shared by the lower of the sales groups. It tainted the pool, so when 'some' of the elite sellers would be asked to go on 'inbound' calls, they had the clear advantage. Their time on a seperate lead system was not compensated for, nothing was done. People were crushed in a day, in a few days when their rivals would go on 'incoming'
In my opinion, MBNA is the worst financial instituition I have ever worked at. Thank god for HSBC. And one last thing about mbna that was idiotic, the men had to wear a STRICT dress code, pants, tie, you got the idea, the women? anything they DAMNED WANT! Low cut shirts, I mean so low it was REDICULOUS, I thought half the women were going to the club on their lunch breaks, oh god how pathetic MBNA was.
I am so glad I left.
ps. never work, never deal, never talk to mbna, because more than likely you are getting SCREWED!
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Posted by CjCinColorado on 2006-03-16:
I'd much rather deal with MBNA than the skunks at HSBC!
HSBC is 'Household Finance' now renamed.
HSBC bought Beneficial Finance.
Beneficial is still ok BUT you have to watch them.
Knowing they're all REALLY under the old umbrella of Household Finance Corp. makes me not trust them.
Both companies,HSBC and Beneficial regularly don't send the monthly bills. They penalize monetarily for paying bills too early too.
Household or HSBC just isn't to be trusted.
Posted by squeekie on 2006-03-16:
Beneficial/HSBC does suck. my husband has a loan through them. they immediately tacked on the 3k in intrest so it brought the loan up to 8k and now it looks like the loan is over drawn. we have it down to a more sain amount now. but then HSBC called and wanted to give us a home equity line of credit, at get this 12.75 %. I don't think so. we could get it through our bank or morgage co for half that amount.
Posted by wary-consumer on 2006-03-16:
Thanks for the insiders look into MBNA's practices. I'd think MBNA knows about the tricks that sales reps use the trick customers but don't want to do anthing to prevent it because it will hurt their profits. I bet they just turn a blind eye unless it is blatently obvious.
Posted by JG3_Dragon on 2006-04-29:
MBNA does horrible Business practices. I have a post on this site, explains what I had happen. It wasn't the debt, it was minimal to the US debt poll. It was their sneeky way of percentage rate increases to good customers. I did not have a great customer treatment in the end. Remember 6 years with this Company. There is a reason for that...but then to see me dump them and never look back. You know the reason now...only one it could be...mistreatment. I do see now why I am not one of the Richest Company's on the planet.
I couldn't do this to people.
At least I am free of their actions today.
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Posted by Honesty is the best policy on 05/28/2009
I have been a customer card holder with MBNA since 2001. I have never defaulted on a payment or neglected to pay off a balance in full. I increased my credit limit from 10,000 to 15,000 last year. I chose not to use my card until I had a need to use it which I believe is my own perogative. I called in just the other day to order cheques and I was informed that my available credit was decreased without any notification to myself (meaning no phone call, no letter and no e-mail to myself informing me that I was being penalized). This company decreased my available credit of $15,000 which I worked so long and hard to qualify for and obtain all the way down to $400. I was told that they had to decreases my available credit limit due to the fact that I was not using my card and they had to minimize their risks just in case anything security-wise would have happened. I was shocked that I was treated like this and was unable to do anything about it. They also told me that I would now have to re-apply for another increase in credit which we all know would affect my credit rating once again because anytime you request a credit increase, it goes against your credit score. People, can you imagine if I was at a business luncheon and the meal was over $400, how embarrassing that would be for me to not know that the card that I was holding now only had $400 worth of credit available instead of $15,000! What a fool I would look like not even having money to pay for a business luncheon. I have now cancelled my card with them and I have now told everyone that I come into contact with that this MBNA company is the absolute worse company that you can deal with regarding anything. Their customer service is horrible and their ethics and controlling manipulating ways really gives banks a bad name. STAY AWAY FROM THIS COMPANY as you will become a victim!
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Posted by Anonymous on 2009-05-28:
.....and your tax dollars bailed them out.
Posted by Anonymous on 2009-05-28:
Victim? You're not out a penny of your own money. They reduced a credit line that wasn't being used on a card that wasn't being used. The credit line is their liability, and it's their right to reduce it, just like it's a customer's right to go somewhere else.
Posted by Slimjim on 2009-05-28:
MBNA is now Bank of America. In regards to warning future applicants, I don't think that will be an issue with any credit card lender right now. The days of obtaining large credit lines are over aside from an elite few. The rest won't be getting an aggressive limit to be reduced in the future.
Posted by CaptainSpaulding on 2009-05-28:
Slimjim: You are correct, however Bank of America is using the name "FIA Card Services" for all former MBNA credit card accounts.
Posted by voiceoff on 2010-01-04:
They should have let you know but yes that is their right. However why should your score, based on YOUR actions and creditworthiness, not their sudden reduction without cause, be damaged, if they changed the rules of the game in the middle?
Every thing is score driven and your reputation was ruined by being a nice person who does not have a huge balance.SHAME ON THEM!
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MBNA Canada Interest Rate
Posted by Red1 on 07/30/2005
TORONTO, ONTARIO, CANADA -- Without my knowledge, MBNA Canada went ahead and raised my interest rate to 24.% then dropped it to 22.98%.
I was appauled by this increase and I called them. There response to me was, that because I had other debts they had the right to do a major increase to my interest rate, on a pre-existing amount of money already owing. I asked them how they can do that, they said they just can. They said I should of read the fine print a little closer and they would gladly send me it to read again.
When I originally spoke ewith them in regards to the application they had sent me, without asking for it. They supposedly told me everything about it. They failed to mention that they could increase my interest when ever they wanted to.
I am so angry!!!
On one hand they tell me they raised my interest because I have other outstanding debts and this was a way to insure they get their money, while on the other hand they keep sending me these payment holiday invoices + interest. How worried can they be about getting their money when they offer me these free months with interest!
I pay to them 124.00 per month, 114.00 of that is interest. IF I could just pay them off I would! All they care about is the money and they will knowingly lie to you by not giving you all the necessary information! Very deceptive!
IF anyone knows of any legal action I can take I would really appreciate it!
thanks for reading this
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Posted by waccey on 2006-05-14:
As a ex-credit card holder I personaly would "never" promote or suggest to any one to get a MBNA credit card,on the conterary. I would make sure that they new what they were getting in to first and tell them that that would be the "biggest mastake" of their life. and then some. and I am sure that we are not the only ones that are a victom of MBNA.. I only wish that there was some way to put this credit card co. out of business as for most part of the people that has been harrassing me must be "BRAIN DEAD" or very "STUPID" as they must think that hhey are issolated from every thing and that they can break the law of Canada by harassing people.. What tyhey haven't taken in to fact is the fact that all we have to do is to get one person from MBNA in to court and then it is sponiea after speniona till we get the ones that are breaking the law and then put them in to jail and then put MBNA "TO BED" as it is obvesious that they are not good business people as there is "A GREAT" amount of money to be made here if the employies of MBNA were to do this right. But personaly "I" WOULD NEVER Encourage or promot, or suggest to "ANY ONE" to deal with MBNA. They are not nice peolpe and I am quite sure that there is some "GOOD" people working there and it would be a travisty to see the good ones "tared" with the same stigma as the bad ones. We should try and get MBNA in to court as much as possible, when ever possible. Maybe then "We"will have our just rewards in see-ing this companey at an end...No more as it would be justified as after what I went through and still going through with this company I can be reach at this email address firstname.lastname@example.com.....Michael
Posted by vanbran on 2007-06-15:
It's funny because MBNA tried to do the same thing to me and raise my interest rate to 22.9% from the original 18.9%. I called and they told me the same thing that they reserve the right to change it and so forth. Well, I asked them to lower it, and they did! Actually, now I call in every year or two and they lower it even further. Right now my mastercard has a 7.9% APR with no fee. I always pay on time, even when I get the payment holiday (which happens every single month for me too). I've been lucky, because I have heard many horror stories about the company for sure.
Posted by kay zed on 2013-05-31:
I took advantage of their 0% for 10 months promo. I transferred $10,000 worth of balances and immediately made a $400 payment so that I would always be a month ahead and never in "default." This month - 7 months in, they started charging me interest - I asked why - they said because i had a
late" payment. I said I cannot be late because I have always paid early. They say you cannot pay early - you can only make an "extra" payment. Now I am screwed with their ridiculous interest rate - need to find a better rate to pay them off and get them out of my life. I would take legal action with others - seems so exploitative.
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Be very careful when doing balance transfers!
Posted by SherryH on 07/25/2006
AKRON, OHIO -- I called MBNA to take them up on their 0% for a year credit card balance transfer deal. My credit card currently sits at 9% (not bad, but 0% is better when we're talking $6000.
During the application process, I spoke with Michelle and I asked her how many balance transfers I could do on this card. She told me they were unlimited. I asked if there were any fees involved, and she told me, "It's a zero card, no charges for a year." So far, so good. I balance transferred the amount charged to do waterproofing to my basement and then told her I would be balance transferring $2,300 more for the balance on the driveway reconstruction in a few weeks. Do you know what this idiot did? She balance transferred the payoff to my old credit card (good) AND sent them $2,300 more. So now, I have a $2,300 credit on my old card.
Long story short, I called MBNA. The girl was at a lost to explain it or to do anything about it. I called my old credit card company and explained to them what happened. They said they could send me a check for the over pay amount in 10-14 days. Meanwhile, MBNA charged me $222.00 for the balance transfer.
Looking at the small print on the paperwork that then came with my card, written information I didn't have BEFORE I did the balance transfer, they charge 3% of the balance tranfer in fees, you know, the fees I asked about? Furthermore, the way it is written in the paperwork makes it sound like this is what I will be charged AFTER the year is up, not before.
So, I called MBNA again, explained to Rep what happened. She transferred me to another department. They said I had been transferred to the wrong department and that I need to speak to a manager. I was transferred again. Then, an automated voice said, "We are unable to transfer you at this time. You are exiting the system." By this time, I'm not upset, I'm not confused. I'm angry. I called again, was put on hold for ten minutes before I talked to a nice human being. I asked for the manager as I was told to do. He asked if he could resolve the problem before "bothering the manager" with it. I'm thinking, "Isn't his job to be BOTHERED with customers?" I remained calm and nice. I explained to him what happened, that I've been lied to about fees, my account has been screwed up by $2,300, I have been transferred, cut off and put on hold. To this, I added, "I will pay you every penny I owe you, but I will not pay a balance transfer fee. I asked questions about fees. Michelle screwed up. If I knew it was going to cost anything to do this, I wouldn't have agreed to it. So, no offense, you won't be getting this money from me."
He was very nice, he put me on hold, he spoke to someone and said, "Since we sent the money you were going to balance transfer to your old card, charge the balance on your driveway to THAT card. The money credited on that card we sent should cover your new charges. We will cut the transfer fee to $100. I said, "How about $50?" I agreed to this because I AM using their money interest free for a year, and because I figured he would agree to it. He did. He sincerely apologized and that settled it.
I learned to make sure to ask the right questions-asking about fees was too vague for the idiot I first talked to. I needed to ask about balance transfer fees. Two, I should have just asked her about allowing an additional balance transfer and not mentioned the amount.
Be careful when doing balance transfers. I have good credit, so I get 0% offered EVERY DAY in the mail. If you look at this information, which I took another look at, it doesn't mention anything about a 3% interest charge on BT's. If you use the 1-800 on these papers, be very specific in what questions you ask and get them to clearly explain the answers. I just trusted them to do the right thing and that was my mistake.
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Posted by Doc J on 2006-07-25:
SherryH-"Zero-percent" and "no-fee" balance transfers are offered by CC issuers because they know that, over the lifetime of the indebtedness, the debtor is predicted to make "late payments" or incur "over-limit" charges resulting in punitive fees and interest hikes. "0-percent" and "no-fee" transfers (even if the creditor gets it right at the time of transfer) are only a time delay fuse on a financial IED. Perhaps you either own, or are buying, your home. Perhaps you're already "maxed out" on your borrowing ability (not a bash...just typical for most) or you would have been moving these debts to a home equity loan through your credit union or LOCAL bank. You're less likely to encounter abuse from a banker who's willing to look you in the eye. Additionally, you're more likely to get "mercy" in the event of a financial setback from a member of your community than you are from a mega-corp CC issuer. Most likely, you wrongly believe you can "beat" the CC issuer at his game. It's not only middle and low income folks who fall for this well-laid trap. A well-paid colleague approached me once for a "little loan". He was hitting up anyone he perceived to have "cash at hand". Why was he doing this? He had $230,000 in unsecured debt that he had been "swinging from credit card (vine-to-vine) to credit card" like Tarzan...taking advantage of "O-percent" and "no-fee" transfer offers. He had run out of vines! Now, according to the CC issuers holding his last vines, his "level of indebtedness" triggered a 23.9 percent interest rate and every card followed suit. Again, he was a well-paid professional. Do the math. He had no way to meet his payments. He missed a few. As a result, he lost everything at age 62 and will die penniless. His fault. Yep. I pray you'll visit with your banker today. You sound nice...and I see bad things coming your way. Yes, I know, "it'll never happen to me". Sherry, you just stepped into a frying pan and lit the fire under it. I wish you well.
Posted by SherryH on 2006-07-25:
Hey Doc, Nope...no other credit debt than this one big $6,000 balance. I will be able to pay it off by October. I've done this before and am pretty careful about it, and, up until now, I have never had a problem doing this . I'm never late, I don't charge on the card once I transfer a big balance on it. On smaller purchases, if I do use a card, I pay it off when the bill comes. I would LOVE to go to my credit union or bank to get a loan. Unfortunately, I haven't been in my house long enough for anyone to help me. Not enough equity in the house. Five years seems to be the magic number. I'm in year four. Believe me, when making larger home improvements, it would be lovely to do this! I think, though, considering what you said, I will refrain from using credit cards in the manner. While I like the convenience of a credit card and there is some buyer protection should anything go wrong, from now on, I'm relegating myself to paying cash. Thank you so much for the excellent advice.
Posted by Doc J on 2006-07-25:
As encouragement to folks in the same position as SherryH, I suggest you speak with your local bank before using a credit card balance transfer. In this case, $6000 is not a huge sum and a good number of locally owned banks (provided you have a history with them) will write an unsecured note (in this case for 90 days) to those with good credit and an adequate income who are sincerely seeking to ditch their credit cards for good. While SherryH may squeak by (I really hope so), at least ten others won't be so fortunate. I comment on the behalf of those ten. Credit cards destroy lives. Most who say they pay the balance monthly are lying (no accusation SherryH...really!). The average American has $8000 in credit card debt. But, some folks are 'getting it'...more people are paying down their cards. Capital One recently posted losses because their income shrank as a result of fewer collected late fees and over-limit fees. Go Americans!!!
Posted by Doc J on 2006-07-25:
Correction-typing too fast. Cap-One didn't post a loss, they lost ground. So, we still have much to do!
Posted by dave1660 on 2006-08-07:
I had a very similar problem with MBNA Bank. My offer started with a letter from Fidelity Investments about a card issued thru MBNA. I thought 0% for 1 year would be good to pay off the wife's credit card. The offer had 0% in 3 places in big bold letters. Long story short, when the first statement came, their was a ridiculous 20 something percent interest rate on it. Glad I saved the offer letter. I reread it 3 times before I found the 3 % transfer fee buried on the back of the letter. I sell insurance so I know small print. Needless to say I wasn't going to pay them the 160.00 fee. I called customer service and voiced my complaint. It was agreed that if the transfer was sent back , and I closed this card they would waive the fee. That was in April. I sent back their money. Still getting billed for the fee plus late fees( they will never get it) I talked to
several idiots along the way, and they insist I owe the fee. I have sent 2 letters to the Ohio Attorney General. The advertising was completely misleading. The great thing was that I did e-mail a Mr. Jeffrey R. Carney president of Fidelity Personal Investments and let them know about this situation. It cost them 40+ thousand when I moved the acct out of Fidelity. Why I am posting here? I would like to find people who have responded to similar unsolicited mailers to form a class to sue these guys from
MBNA. If my insurance agency sold insurance like these yahoos solicit for credit cards I would have been put in jail years ago
Posted by SherryH on 2006-08-15:
After reading your post, I examined subsequent letters I have gotten for a 0% balance transfer (the idiots keep sending me more offers although I owe them money on a current card-waste of paper!). As you said, anyone would believe it's 0% from looking at the letter. On the back, in small letters, it breifly mentions the 3% charge. I cannot wait to get this card and from now on, I am going to try and pay cash.
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MBNA ruined my excellent credit rating
Posted by Nscrfrk on 05/01/2005
Several years ago, MBNA was a credit card company I would have recommended to anyone. They lived up to their promises, looked out after my activity and even took care of a fraudulent charge that slipped through.
But 2 years ago, I received an offer from them to do a balance transfer for 3.99% until the balance was paid off. I transferred approximately $7,000.00 as was paying close to triple what they wanted as a minimum payment so I could pay the balances off. Several months into my payments, I noticed that my balance didn't seem to be going down, when I checked the interest rate, I was being assessed a rate of 24.99% and immediately went to pull the past statements and found that I was never given the offer I was promised. I had never been late and paid way more than their minimum payments and had been with them since 1995. When I phoned to inquire about this problem, I was met with rudeness, an explanation from one representative of they didn't know why and then was transfered to another hateful person who in so many words told me that there was no reason in particular other than that they could change my interest rates at any time for any reason. I told the representative that I wanted to place my account into dispute and even wrote correspondences to MBNA regarding same and went to making minimum payments only till my credit limit of $12K+ was set to $0, late fees, over limit fees were assessed, and I stopped!! Next thing I knew, I was being served with an Arbitration lawsuit that was stated to be apart of my credit application agreement, but never was.
My attorney figured the interest on the $7,000.00 along with my payments and I had my balance down under $4,000.00 when this blew up. MBNA now has the balance exceeding $15,000.00. I have since had my credit rating ruined, other accounts canceled because of them and am not facing a Bankruptcy Filing to just get out from under their upcoming Judgments.
Stay away from these people. They are dangerous to your health and your credit rating! Believe me, I know, my rating was at 700.
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Posted by DebtorBasher on 2005-05-01:
I know exactly what you're talking about. By law, they can not change your interest rate without notifing you in writing first. They are then to give you a certain date to respond if you do not agree with the changes. If you don't agree to the changes, you would have to write to them and tell them to leave your rates as they are and they will then close the account. If they did not notify you of these changes, you can get an attorney and they would have to zero your account balance. A few years ago there were many, many Sears credit customers that had their rates changes without being notified first and they had a big lawsuit brought against them and they had to zero everyone's balances that were not given a notice before the changes were made. I've had many issues with MBNA myself and have closed the account, but still paying down the balance as agreed. I tell everyone to stay away...far far away from MBNA!
Posted by sanford31031 on 2005-05-01:
Thanks for that valuable info, DB! I did not know that!
Posted by DebtorBasher on 2005-05-02:
Hey there Sanford...long time, no see. How have you been?
Posted by liberal on 2006-07-06:
Thanks to the rEPUBLICAN's and consevative's new Bankrupt bill, credit card companys can now use the law they wrote to steal from you and your kids.
Posted by ohm037 on 2007-05-21:
MBNA is from HELL!!! Please do not get an account with satan. When I was in college, they offered me a credit card. I ended up going over my limit, but paid it off and closed my account. Two years later I get a statement from MBNA saying that I never paid off my card. They were able to open my account again and sell my information to another company. My balance was twice as much as my last bill that I paid off. I had proof from my bank and a statement from MBNA that my account was paid off and closed. So this company stopped calling. After two years another company contacted me for the same reason. But this time my balance was three times more. Now I am in the process of suing MBNA and their partners from HELL. Beware of MBNA and please do not open an accoutn with them unless you want to be burned alive!
Posted by voiceoff on 2010-01-04:
Sadly I believe every word written and have some experience as well. I had several cards of theirs ( practically foisted on me with every day promos stuffed in my mailbox )and I was fortunate enough to pay them off and never late either. So one day I get a letter in my mail that I have zero balances on them ( thankfully) and so they will be closed. No choice of lower credit limit or allowing me to close them myself. Just shut and put on my credit report as "CLOSED BY GRANTOR," which looks like they were delinquent or late to someone reading that. And my credit score went down 57 points because all that available credit was gone. I am now in the category of having declared bankruptsy when in over 20 years I was never late or delinquent. How is that for valueing their good paying customers? Well maybe I was not a good customer cause my rate was always below 14% and they could charge someone else 29% who had lateness in their record so they were the better customer ( more profitable). YOU ARE A $$ NUMBER, NOT A PERSON to these people. Then when they do that, jobs don't hire you and you really cannot pay the bills.
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DO NOT deal with this company
Posted by SherryH on 12/24/2006
A very long story made short, I put in a new driveway this year, and I paid for it with a credit card I expected to pay off with a tax refund in February. I went on line and researched 0% cards so I could balance transfer from my well loved credit card and finance the drive for nothing: I found a 0% offer from MBNA. When I called them, I specifically asked if there was a fee. The answer was no. A month later when I got the bill, there was a $225 3% percent of the balance transfer fee on the bill. I called. I was cut off. I called I was transferred around. I was cut off. This went on for fifteen minutes until I got a manager. I told them what happened, we agreed to a $50 fine. I was told the info about the 3% was on the back of the paperwork. I told him I didn't HAVE paperwork and when I did get AFTER I agreed to the balance transfer over the phone, it was written so small I had to hunt for it to see it.
Then, I set the account up for automatic paymments. What did they do? They raised the minimum payment by $58 WITHOUT notifying me, so when the payment I made was short, I not only got socked with a late fee, they took my 0% from me AND a $47.00 finance charge. I called five times, was treated like a criminal, and finally, I went from nice to nasty and got one girl to agree to give me back the 0%, and remove the finance charge. I didn't trust them, so I removed the automatic payments option. A month later, the finance charge was still there. I pulled out my trusted ten year old card, the one I had used to buy the drive in the first place, called them, and they offered me 4% with a flat $75.00 balance transfer fee. I arranged to have the whole balance placed back on the card, minus the $47.00 I didn't feel I owed MBNA. I called MBNA again, before the balance transfer went through, I called four more times to get the finance charge removed. When they did, the transfer went through, the balance was zero, I closed the card. What did they do yesterday? They pulled the automatic payment out of my account (you know, the one I SHUT OFF) and made a payment on a closed account. I just called them again five minutes ago and got the "I'm sorries." I said, "Raising my miniumum payment when I haven't made a charge is illegal. Taking money out of my account when I haven't authorized it is stealing, and accepting a payment on a closed account just proves how incompetant your company is. This has been a nightmare." She apologized, and I repeatedly apologized to her, as a human...but MBNA is awful, just awful. What would have happened if they overdrew my account??? My money is being mailed back to me within 7-10 and I have no doubt I will have to call them about it. Does anyone out there know if my bank can stop automatic payments from their end? I'm worried about next month.
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Posted by tnchuck100 on 2006-12-24:
If you had checked this site first you would have seen MBNA is never to be trusted. Hind-sight is 20/20. However, your post may save some other poor soul from being victimized by them.
Work with your bank. They should be able to recover any monies MBNA took. Next point: NEVER let any company auto-debit your bank account.
Posted by tnchuck100 on 2006-12-24:
Please tell me this is the same reoprt you filed on 7/25/2006. I would hate to think you allowed yourself to be taken by MBNA a second time.
Posted by Bababooey on 2006-12-24:
I said it before, and I'll say it again...
MBNA no longer exists. It was taken over by Bank of America last summer, and now operates under the name "FIA Card Services".
Any problem you had with MBNA should now be directed at Bank of America, dba FIA Card Services.
Posted by SherryH on 2006-12-24:
No...the 7/25 incident is the first part of this post, the rest is a continuation of the events to this morning...and yes, I was stupid enough to think it was an isolated incident and just a rough start with them, and I didn't want to transfer the balance again. I wrote that review to tell people to be careful about balance transfers. This one is written to tell people to stay the heck away from them, period. I am now, I hope, completely finished with them. My card (now in little pieces) says MBNA, the website, www.mbna.com, takes you to Bank of America. This is why I identified it as MBNA.
Posted by HaroldSays on 2006-12-24:
There is a form that you can file with your bank to dispute charges taken out of your account. There is no charge for this service. You can file that and within about 5 days the bank will return the money to your account if your dispute is valid.
Posted by Anonymous on 2006-12-24:
SherryH I can't add anything to the advice others have given so I will just say you did great and I'm glad you got away from them. I know it's a hard lesson to learn but you did, GOOD FOR YOU! That is called "Acquiring wisdom". Most banks and credit card companies do this kind of thing because most people let them and no one really regulates them. Just makes you wonder who the criminals really are? Marry Christmas to you and yours!
Posted by Shakra on 2006-12-24:
A transferrence of monies from one credit card to another usually does result in a percentage being added on. That is because the credit you had from one the original credit card is considered a "loan" instead of credit on the second. It used to be 2%. Guess they've raised it. That's why it is never a good idea to transfer balances from one credit card to another.
Posted by TWolf on 2007-03-02:
BofA, who is a part of FIA card services, provides some of the most horrendous service I have ever known. I do not know of one individual who is thrilled with the service they receive. Unfortunately, FIA card services is a huge company and it can be difficult to find credit cards that are not through the organization, but they are out there. When you read the fine print when researching your card, be sure to look and see if they are a part of FIA. Otherwise, just call them. Trust me, you will immediately notice the low quality when dealing with the sales team.
Posted by leftcoaster on 2009-04-14:
As other commenters have noted, FIA Card Services is just the old, fraudulent MBNA, now owned by Bank of America, which, in turn, is the renamed old NationsBank of North Carolina, not the fine institution founded by A.P. Gianini in San Francisco in the early 1900s. MBNA was infamous in the 1970s and later for goading college students into applying for credit cards, even though they might not have had steady jobs or the means to pay the bills. They never did change their sleazy practices, as far as I know. I stopped using all my MBNA/FIA-issued cards over a year ago and have let the accounts lapse, including those issued under my credit union's brand name. (The credit union used to issue and manage its own credit/debit cards. I was sorry to see them get involved with these pirates, and my fears were borne out in full.)
Posted by hopper14 on 2009-08-18:
I am glad I am not alone. I did a balance transfer and it put me over the edge in debt.
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Posted by Jonigirl275 on 06/03/2006
WILMINGTON, DELAWARE -- When I called to ask why my monthly payment went up almost $70.00 a month, they forwarded me to the lending dept. The lender reviewed my account (no late or missed payments, EVER!), he arbitrarily closed my account. Below is my response to their letter telling me about my account:
Joan XXXX
Acct: XXXXXXXXX
Mr. Scott Beech
MBNA America
PO Box 15646
Wilmington, DE 19850-5646
Dear Mr. Beech,
I received your letter today regarding your decision on my account. That decision is very upsetting to me, but what's worse is your total lack of consideration and your attitude on the phone the other day, (if it was you. If not, you have rude lenders who talk to your "loyal customers".)
I don't want my account reinstated, but I do want your time for a few minutes. I am a college grad, and I was gainfully employed for 25 years. On May 30, 2005, I was a passenger in a car, which was hit by a drunk driver. I and my other 2 friends were sober, (a conscious decision we made as members of MADD), and the drunk driver was 3 times the legal limit, driving the wrong way on the interstate, resulting in a head on collision.
Her actions resulted in my friend's, (the driver), immediate death. My injuries were life threatening when they cut me out of the car, (which caught fire), and I was rushed to the hospital. Following 4 surgeries, (with 3 more to come throughout 2005 and into 2006), I spent 2 weeks in intensive care. I then spent another 5 months in a hospital bed in my home, with round the clock care, and in a wheelchair, having to be fed, and using a bed pan. I lost my job and my group benefits. My non-group Blue Cross policy, which I established after I lost my job), went up from $189.00 p/month to $304.00 p/month, following my accident. And none of those charges went on my MBNA credit card. So where do you get off judging me and making assumptions about how I use my credit card????
Now, I am permanently disabled, (no more dancing for me, or going to the gym, or working in my garden like I've always done). I am currently working with an attorney to obtain disability benefits, which I paid into for 25 years, as a healthy, tax paying American. (It takes anywhere from 12 – 18 months to get approved. Yet another corporate cluster of nonsense!) Since the drunk driver had no car insurance, I was left with co-pays and deductibles in the thousands of dollars, none of which went on your credit card either). My husband couldn't handle the situation, and he moved to Florida. (nice, huh? Men!) But I am so lucky to have had friends and family to help me out.
Why am I telling you all this? It's because you, (or the unidentified lender that I spoke with), talked down to me like I was pond scum. He lectured me about "living on credit", as if I were a child. I wish to remind you that through this whole, horrible ordeal, my injuries, despair and depression, I never once missed a payment, nor was I ever late with one. For 6 years, I was a good customer, with a great credit rating. You have ruined that for me now, and I wanted you to know that.
Mr. Beech, I hope that nothing like this ever happens to you or your family by the grace of God, and that you are never treated with the rudeness and disrespect with which I was treated by the lender, (or was it you?), at MBNA.
When you die and go to heaven, I don't think that God is going to rate you as a human being based upon how many people you screwed with your decisions, or how high up you got on the corporate ladder, or how much money you made for your company and yourself.
May God Bless You, and give you a little compassion and help with your people skills.
Thanks for your time, and always remember that you can't possibly understand a person's situation until you have walked in their shoes.
Joan Keen, Your once "loyal customer" (your words, not mine!)
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Posted by Doc J on 2006-06-03:
For those out there who disbelieve that CC issuers are the spawn of Satan. Read this post again. The poster has my most sincere sympathy and prayers.
Posted by glc on 2006-06-03:
Joan: My sincere condolences on the loss of your friend. Life has thrown you some heavy-duty curves, but it sounds like you are strong enough to deal with them. In fact, you sound like an inspiration to all of us. God bless you, Joan and to hell with MBNA.
Posted by Anonymous on 2006-06-04:
Joan: Also, My sincere condolences on the loss of your friend. I do believe there is a reason for everything and in the end the truth will be told. God bless and ease you soul
Posted by Anonymous on 2006-06-04:
I don't want to be inconsiderate but did you miss the minimum payment, one time anybody does this, will get a doubled payment and/or subjected to review. A result of that new credit law. Also I think injuries benefits go from short term | long term | then SS diasb. Since you lost your benefit, you go straight to SS disab, which your atty is taking his time, should go through a Disabilty Atty. Good luck!
Posted by Alida on 2006-09-18:
Dear Joan,
I had similar situation back in the 80's, but didn't lose a friend or end up with debilitating life injuries. God Bless you and your friends, and sorry about your loss.
It may be that they closed your account because you didn't make the minimum payment on some ambulance bill, or some other thing that shows up on your credit report. Sears did that to me, and I never in all my years missed a single payment to them.
I posted my concerns all ready concerning my MBNA experience after being a great customer with two cards (they keep buying up all the little guys I had cards with) for 11 years.
They are rude, switch you to person, after person and dept after dept. You never get the same person twice, and half the time will only give you a first name (probably not their real name anyway).
They seem to not adhere to any of the credit card regulations or federal laws. I guess they get away with it until someone rats them out to the proper dept, .
STay STrong, and keep up with the good attitude in life, despite what life throws your way.
God Bless,
Posted by Kansasfan on 2006-09-23:
Not likely that Joan missed any payments, as I had a similar run in with a rude MBNA agent and a follow up letter from Scott Beech.
7 years and had never been late, or over limit on ANY of my accounts and have an excellent credit report to boot , and my rates changed from 18% to 25% on my balance.
When I called to inquire about the increase and ask that it be reduced, the agent (did I mention she was rude?) got into a huff and told me she was closing my account.
If they think for one moment I'm paying 25%, they are severly mistaken.
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Posted by Knutt on 01/31/2005
MARIETTA, GEORGIA -- I purchased a computer from Microcenter with the incentive to save $100 by signing up for their credit card. For six months, I never received a statement and had no idea whom to call. The receipts I have from Microcenter did not mention MBNA or any contacts regarding my account. After six months, I received a nasty phone call from MBNA threatening because I haven't made a payment. They had already ruined my credit before ever trying to contact me. I offered to pay in full if they send me a statement. The MBNA rep wanted me to give my checking account number over the phone and I refused and still insisted that they send me a statement and I'll pay in full. I received the statement two weeks later along with another nasty phone call. Since then, MBNA has cashed my check, closed this account, and reported me as a bad debt to all the credit companies. It was MBNA's fault because their rep typo'd my address incorrectly. Now my credit is ruined forever.
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Posted by Syed Naqvi on 2013-12-17:
MBNA is worst credit card company of world I had very bad experience with them.
Posted by MA on 2014-04-13:
The only thing what I can say is MBNA is worst in all aspects. I applied for credit credit after getting referral email from my friend. I received a letter after few days that credit card is approved but they need my bank statement, paystub and bank profile.
Its very strange that just for a credit card they need this information which I never provided and cancelled the request. They have different numbers which are never given on their website. Please note that this information can be misused easily if provided just a a credit card.
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Unethical Practice
Posted by Stien on 12/10/2004
COLORADO SPRINGS, COLORADO -- After reading the other reviews regarding MBNA, it seems that this company has developed a pattern. I also agreed to terms and agreements over the phone with a customer representative and received by post a completely different agreement. When I telephoned MBNA, their response was that they sent me in writing the terms and agreement and I should have read and been more cognisant of their terms. Unfortunately, I trusted MBNA to give me the correct information over the phone and not change the terms of agreement in writing. Silly me! MBNA definitely changed the terms of agreement in writing and apparently this is a patterned practice for this company. They really should be ashamed of themselves. The second MBNA representative that I spoke with agreed with me that I would have been better off keeping my two MBNA credit cards rather than consolidating them. Not only did MBNA increase the percentage rate that we were paying on the credit cards but they also charged $700 to consolidate the loans.
If MBNA would like to repair the damage, I request that my $700 be refunded and my initial - agreed upon rate of 8.9% be instated.
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The Comedy Thread
I searched and didn't find a thread like this so yay o_O
Just tell a joke thats funny, or make a comment about the joke above you. Wait that came out wrong. Um, just laugh people's jokes and make your own >.> Dont say stuff like the joke sucks or its pointless or something like that. This thread is to share laughs, not to share disses.
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Re: The Comedy Thread
The Perfect Day
The Perfect Day - Her
8:45 Wake up to hugs and kisses
9:00 5 lbs lighter on the scale
9:30 Light Breakfast
11:00 Sunbathe
12:30 Lunch with best friend at outdoor cafe
1:45 Shopping
2:30 Run into boyfriend's/husband's ex and notice she's gained 30 lbs
3:00 Facial, massage, nap
7:30 Candlelight dinner for two and dancing
10:00 Make love
11:30 Pillow talk in his big strong arms
The Perfect Day - Him
6:45 Alarm.
7:00 Shower and massage.
7:30 Blowjob.
7:45 Massive dump while reading USA Today sports section.
8:15 Limo arrives, Stoli Bloody Marys.
8:30 Butler Aviation, O'Hare Field, Lear Jet to Augusta, Georgia.
9:30 Front nine holes, Augusta National Golf Club.
11:30 Lunch - 2 dozen oysters, 3 Heinekens.
12:30 Blowjob.
12:45 Back nine holes, Augusta National Golf Club.
2:30 Limo to Augusta Airport, Bombay Sapphire Martini.
3:30 Nassau, Bahamas, Afternoon fishing with all female crew (topless). Sex for each fish caught. Catch 1249 lb. Blue Marlin. Grilled tuna and steamed lobster appetizers, six Heinekens, nap.
6:15 Blowjob.
6:30 Lear Jet return flight, total body massage in transit.
7:30 Shit, shower, shave.
8:00 Watch CNN Live coverage of Bill Clinton's resignation. Hillary and Al Gore are indicted in the same scandal (which involves graphic pictures and large farm animals).
9:00 Dinner at Ritz Carlton, Oysters Casino, 20 oz. Filet mignons (rare), Gorgonzola salad, Fettucini Alfredo, Chateau Lafite Rothschild 1963 (magnum) creme brute, Louis XII Cognac, Cohiba Lancero
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Re: The Comedy Thread
Just one of your fellow NL Junkie.
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Re: The Comedy Thread
Now that we've all seen a day in the life of G.Money. XD
And are you sure that all women like that itinerary?
Blasphe-me! Blasphe-you!Blasphe-everybody in the room!
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Re: The Comedy Thread
lmao XD......saw that on another forum.....
saw this somewhere too lol....and these signs do exist o.o.....
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Re: The Comedy Thread
I simply find this funny because it happens to me so often...
Top Ten Polite Ways to Say Your Zipper is Down
10. The cucumber has left the salad.
9. Quasimodo needs to go back in the tower and tend to his bells.
8. You need to bring your tray table to the upright and locked
7. Paging Mr. Johnson...Paging Mr. Johnson..
6. Elvis is leaving the building.
5. The Buick is not all the way in the garage.
4. Our next guest is someone who needs no introduction.
3. You've got a security breach at Los Pantalones.
2. Men may be From Mars.....but I can see something that rhymes
with Venus.
And the #1 way to tell someone his zipper is unzipped.....
1. You've got your fly set for "Monica" instead of "Hillary".
My nerves are bad to-night.
Yes, bad.
Stay with me.
Speak to me.
Why do you never speak?
Speak.What thinking?
What are you thinking of?
I never know what you are thinking.
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Re: The Comedy Thread
I can only jokes on swedish xD
No regrets 'cause I got nothin to lose
Ever stray!
So I'm gonna live my life as I choose
Until I fall...
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Re: The Comedy Thread
There is a new virus going around, called "work." If you receive any sort of "work" at all, whether via email, internet or simply handed to you by a colleague...DO NOT OPEN IT.
This has been circulating around our building for months and those who have been tempted to open "work" or even look at "work" have found that their social life is deleted and their brain ceases to function properly.
If you do encounter "work" via email or are faced with any "work" at all, then to purge the virus, send an email to your boss with the words "I`ve had enough of your crap... I`m off to the pub." The "work" should automatically be forgotten by your brain.
If you receive "work" in paper-document form, simply lift the document and drag the "work" to your garbage can. Put on your hat and coat and skip to the nearest bar with two friends and order three pints of beer (or rum punch). After repeating this action 14 times, you will find that "work"
will no longer be of any relevance to you and that "Scooby Doo" was the greatest cartoon ever.
I finally got rid of this virus that infected my life, just over a year ago, and my health has never been better.
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Re: The Comedy Thread
These cracked me up lol.
Airline Screw Ups
1. On a Continental Flight with a very "senior" flight attendant crew, the pilot said, "Ladies and gentlemen, we've reached cruising altitude And will be turning down the cabin lights. This is for your comfort and to enhance the appearance of your flight attendants."
2. Heard on a Southwest Airline flight. "Ladies and gentlemen, if you wish to smoke, the smoking section on this airplane is on the wing and if You can light 'em, you can smoke 'em."
3. On landing, the stewardess said, "Please be sure to take all of your belongings. If you're going to leave anything, please make sure it's something we'd like to have."
4. "There may be 50 ways to leave your lover, but there are only 4 ways out of this airplane"
5. "Thank you for flying Delta Business Express. We hope you enjoyed giving us the business as much as we enjoyed taking you for a ride."
6. As the plane landed and was coming to a stop at Ronald Reagan, alone voice came over the loudspeaker: "Whoa, big fella. WHOA!"
7. After a particularly rough landing during thunderstorms in Memphis, a flight attendant on a Northwest flight announced, "Please take care when opening the overhead compartments because, after a landing like that, sure as hell everything has shifted."
8. From a Southwest Airlines employee: "Welcome aboard Southwest flight 245 to Tampa. To operate your seat belt, insert the metal tab into the buckle, and pull tight. It works just like every other seat belt; and, if you don't know how to operate one, you probably shouldn't be out in public unsupervised."
9. "In the event of a sudden loss of cabin pressure, masks will descend from the ceiling. Stop screaming, grab the mask, and pull it over your face. If you have a small child traveling with you, secure your mask before assisting with theirs. If you are traveling with more than one small child, pick your favorite."
10. Weather at our destination is 50 degrees with some broken clouds, but we'll try to have them fixed before we arrive. Thank you, and remember, nobody loves you, or your money, more than Southwest Airlines."
11. "Your seat cushions can be used for flotation; and, in the event of an emergency water landing, please paddle to shore and take them with our compliments."
12. "As you exit the plane, make sure to gather all of your belongings. Anything left behind will be distributed evenly among the flight attendants. Please do not leave children or spouses."
13. And from the pilot during his welcome message: "Delta Airlines is pleased to have some of the best flight attendants in the industry. Unfortunately, none of them are on this flight!"
14. Heard on Southwest Airlines just after a very hard landing in Salt Lake City: The flight attendant came on the intercom and said, "That was Quite a bump, and I know what y'all are thinking. I'm here to tell you it wasn't the airline's fault, it wasn't the pilot's fault, it wasn't the flight attendant's fault, it was the asphalt."
15. Overheard on an American Airlines flight into Amarillo, Texas, on a particularly windy and bumpy day: During the final approach, the Captain was really having to fight it. After an extremely hard landing, the flight attendant said, "Ladies and Gentlemen, welcome to Amarillo. Please remain in your seats with your seat belts fastened while the Captain taxis what's left of our airplane to the gate!"
16. Another flight attendant's comment on a less than perfect landing: "We ask you to please remain seated as Captain Kangaroo bounces us to the terminal."
17. An airline pilot wrote that on this particular flight he had hammered his ship into the runway really hard. The airline had a policy which required the first officer to stand at the door while the passengers exited, smile, and give them a "Thanks for flying our airline." He said that, in light of his bad landing, he had a hard time looking the passengers in the eye, thinking that someone would have a smart comment. Finally everyone had gotten off except for a little old lady walking with a cane. She said, "Sir, do you mind if I ask you a question?" "Why, no,Ma'am," said the pilot. "What is it?" The little old lady said, "Did we land, or Were we shot down?"
18. After a real crusher of a landing in Phoenix, the attendant came on the horn, " Ladies and Gentlemen, please remain in your seats until Capt. Crash and the Crew have brought the aircraft to a screeching halt against the gate. And, once the tire smoke has cleared and the warning bells are silenced, we'll open the door and you can pick your way through the wreckage to the terminal."
19. Part of a flight attendant's arrival announcement: "We'd like to thank you folks for flying with us today. And, the next time you get the insane urge to go blasting through the skies in a pressurized metal tube, we Hope you'll think of US Airways."
20. A plane was taking off from Kennedy Airport. After it reached a comfortable cruising altitude the Captain made an announcement over the intercom, "Ladies and gentlemen, this is your captain speaking. Welcome to flight number 293, non-stop from New York to Los Angeles. The weather ahead is good and, therefore, we should have a smooth and uneventful flight. Now sit back and relax... OH, MY GOD! Silence followed, and after a few minutes, the captain came back on the intercom and said, "Ladies and Gentlemen, I am so sorry if I Scared you earlier. While I was talking to you, the flight attendant accidentally spilled a cup of hot coffee in my lap. You should see the front of my pants!" A passenger in Coach yelled, "That's nothing. You should see the back of mine!"
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Re: The Comedy Thread
Here's one that came to me a long time ago.
Cop: Sir, have you been drinking and driving?
Person: No, sir, it's not considered driving if you're hands aren't on the wheel.
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Re: The Comedy Thread
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Re: The Comedy Thread
Having totally ODed on gutter epithets, let us move briefly to the cheerful world of euphemism. Professor Spears has amassed an awesome collection of synonyms for the generative act (under "occupy," p. 278, in case you're the type who likes to look up dirty words in reference books), including the following, which gives you an idea of the never-ending richness of the English language:
Bang, batter, beef, bumble, blow off the loose corns, bounce the brillo, dance the buttock jig, do a dive in the dark, flimp, flurgle, foin, foraminate, futz, get one's leather stretched, get one's nuts cracked, get one's oil changed, go bird's nesting, go bush-ranging, go like a rat up a rhododendron, go star-gazing on one's back, have a bun in the oven, have a game in the ****-loft, have a leap up the ladder, have hot pudding for supper, hide the ferret, hide the salami, hide the sausage, hive it, jazz it, knock it off, lay some pipe, light the lamp, lose the lamp and pocket the stake, make her grunt, mix one's peanut butter, palliardize, pestle, pheeze, pizzle, play cars and garages, plow, plug, plook, ram, rasp, ride below the crupper, shoot between wind and water, strop one's beak, varnish one's cane, wet one's wick, wind the clock, and work the hairy oracle--some 675 synonyms in all. The ingenuity displayed in this, ahh, well-plowed ground is nothing short of awesome.
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Re: The Comedy Thread
These are both really lame jokes, but I thought they were dorky-funny.
>>> So a woman walks into a fabric store and up to the counter and says, "Excuse me miss, but I need some curtains." The woman at the counter smiles and asks what for. So the woman says, "Well I need curtains for my computer."
"But ma'am, we don't carry curtains for computers. They don't make them that way."
"Well why not?"
"Because curtains aren't made for computers."
"But I have Windows!" <<<
Next one:
>>>At the pearly white gates of heaven stands St. Joseph. Up to the gates walks Albert Einstein. Einstein walks up to St. Joseph and says, "Hi, I'm Albert Einstein, I need to get in." But St. Joseph says, "No, you have to prove that you're Einstein first." So Einstein takes a sheet of paper and writes down a bunch of complicated equations. St. Joseph, impressed, says, "Alright, alright, I'll let you through."
Up to the pearly white gates comes Pablo Picasso. He strides right up to St. Joseph and goes, "I'm Pablo Picasso, and I need to get in." But St. Joseph says, "Well Einstein just came up here a minute ago, and he had to prove he was Einstein before I could let him in, so now you have to prove that you're Picasso." So Picasso took a paintbrush and created a masterpiece. St. Joseph, impressed, said, "You're definitely Picasso, in you go."
Finally, up to the pearly white gates comes George W. Bush, and he says to St. Joseph, "My name's George W. Bush, and I need to get in." St. Joseph says, "Well Einstein and Picasso just came through here and they had to prove who they were before I could let them in, so show me some proof that you're George W. Bush."
And Bush goes, "Who's Einstein and Picasso?"
St. Joseph, convinced, opens the pearly white gates and lets him inside.<<<
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Welcome to K-State Grain Science and IndustryWelcome to the Department of Grain Science and Industry at Kansas State University! Our globally unique programs are recognized for the quality of its graduates and the excellence of its faculty and staff. Students enroll in our academic programs to pursue undergraduate degrees in milling, bakery and feed science & management, and M.S. and Ph.D. degrees in grain science. Industry professionals from around the world seek out our department for continuing education via on-campus courses taught in our state-of-the-art facilities and via distance education courses. Companies come to our campus to support our education, research and outreach programs, and most importantly to engage our faculty and hire our graduates. The field of grain-based food and feed science is fast-growing and ever-changing. We at K-State are proud to be the primary training ground of managers and technology specialists who lead businesses and organizations to preserve the harvest, process grains into products, and feed the world. Whether you are a future student, a parent, or a business looking for education, research or employees, we thank you for your interest in our programs. We in the department are truly excited about being an integral part of this important science and industry. We hope that this excitement flows through everything we do! If you would like to talk to someone about our programs, we would like to encourage you to contact us at 785-532-4051 or e-mail us at email@example.com.
Latest Happenings in GSI
- K-State Grain Science and Industry Proposing Global Food Center (April 2014)
- Polamreddy V. Reddy joins K-State Grain Science and Industry Faculty as Managing Director of Feed the Future Lab (April 2014)
- K-State and AIB exploring major partnership (March 2014)
- New Online Pet Food Processing Course Coming Fall 2014
- Pakistani entrepreneurs visit K-State Grain Program (March 2014)
Student Recruiting Event in Cedar Rapids, Iowa
News from the International Grains Program
Latest Publications by GSI Faculty
- Evaluation of Synergized Pyrethrin Aerosol for Control of Tribolium castaneum and Tribolium confusum (Coleoptera: Tenebrionidae). 2014. K. Kharel, F. Arthur, K.Y. Zhu, J. Campbell, Bh. Subramanyam. Journal of Economic Entomology, 107(1):462-468. http://dx.doi.org/10.1603/EC13355
- Particle Size Analysis of Two Distinct Classes of Wheat Flour by Sieving. 2014. Abhay Patwa, Blake Malcolm, Jonathan Wilson, R. P. Kingsly Ambrose. Transactions of the ASABE, 57(1):151-159.
- Pet Food Processing--Understanding Transformations in Starch During Extrusion and Baking. 2013. Michael Gibson, Sajid Alavi, Cereal Foods World. 58(5): 232-236
- Resistant Starch: Sources, Applications and Health Benefits. 2013. Yong-Cheng Shi (editor), C.C. Maningat (editor). Wiley-Blackwell, ISBN:978-0-8138-0951-9.
- Positive Assessment of Mill Stream Endosperm Purity Using Chemical Imaging. 2013. David Wetzel. Cereal Foods World, 58(3):133-137.
- Reaction of Octenylsuccinic Anhydride with a Mixture of Granular Starch and Soluble Maltodextrin. 2013. Yanjie Bai, Yong-Cheng Shi. Carbohydrate Polymers, 98:1599-1602.
- Sodium reduction in Bread Using Reduced Sodium Sea Salt. 2013. Rebecca Miller, Juhui Jeong. Cereal Chemistry, http://cerealchemistry.aaccnet.org/doi/pdf/10.1094/CCHEM-05-13--0089-R.


text:
Harrison Ford: America's Leading Man
TV Special
More in Television
TV Highlights
What's On This Week
A daily updated summary of the week in TV.
Program Overview
Executive Producer: Anthony Geffen
Genre: Documentary
Genre: Documentary
Program Synopsis
Profile of actor Harrison Ford.
What's On Tonight
- On Comedy: True King of Late Night? He Might Raise Eyebrows
- Art Review: A Provocateur's Medium: Outrage
- ArtsBeat: Remembering the Life and Work of Gabriel García Márquez
- Art Review: Found Everything, Tried Everything, All His Own Way
- Nina Cassian, Exiled Romanian Poet, Dies at 89
- ArtsBeat: Cast of 'Fun Home' Heading to South Carolina Amid Dispute Over Book
- Shape-Shifting Into Success
- Sometimes a Bad Birthday Gift Has Its Uses
- Television Review | 'Salem': Once Again, Fires Burn and Caldrons Bubble
- A Gabriel García Márquez Sampler


text:
|Product Type: Dinner plate
|Microwave Safe Details: For warming only
|FDA Compliant: Yes
|Style: Casual
|PTFE Free: Yes
|PFOA Free: Yes
|Prop 65 Compliant: Yes
|BPA Free: Yes
|Gloss Finish: Yes
|Material: Ceramic
|Number of Items Included: 4
|Pieces Included: 4 plates
|Non-Toxic: Yes
|Scratch Resistant: Yes
|Stain Resistant: Yes
|Shock Resistant: Yes
|Odor Resistant: Yes
|Heat Resistant: Yes
|Fade Resistant: Yes
|Lead-Free: Yes
|Shape: Round
|Pattern: Solid color
|Microwave Safe: Yes
|Dishwasher Safe: Yes
|Refrigerator Safe: Yes
|Freezer Safe: Yes
|Minimum Temperature: 0 Fahrenheit
|Food Safe: Yes
|Stackable: Yes
Questions & Answers
Waechtersbach Fun Factory Dinner Plate (Set of 4)
Classy addition to holiday plates.
Carol from Lincoln, NE– Verified Buyer
Great color and nice addition to compliment other seasonal plates. I fully expect to use them through Valentine's Day.
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Anonymous from Minnesota– Verified Buyer


text:
Media and entertainment industry is varying rapidly in all over the globe. Media market will improve companys performance in economic market. Thus, entertainment media will help the company to generate profits.
Media market research report provide insights into product and market trends, analyses, opportunities, projections, sales, marketing strategies, market share, segmentation, size, and growth in the domestic and global markets.


text:
By Rabbi Tuvia Basser (Author)
List Price: $24.99
Online Discount: 10%
You Pay Only: $22.49Catalog #: MPAH ISBN-10: 0899061095 ISBN-13: 9780899061092Binding: Hardcover / Pages: 431Dimensions: 6 x 9 inches / Weight: 1.90 LBSPublished: by ArtScroll Mesorah PublicationsIn Stock?: YES
The Maharal of Pragues stature grows and grows. His seminal ideas have been a springboard for many of the major currents of mussar, chassidus, and Torah thought. In recent years there have been major new annotated editions of his major works. In this significant new work, Rabbi Tuviah Basser introduces us to Maharals classic commentary to Pirkei Avos/Ethics of the Fathers.
Avos and Maharal -- a unique and thought provoking combination. This slim tractate is the primer whose very name proclaims that ethics and conduct are an integral part of the Torah and the tradition handed down from generation to generation. Maharals depth and brilliance provides the philosophical underpinnings of these ethical demands. Jews know that there can be no division between ritual and personal conduct. With his incredible breadth and profundity, Maharal shows how all parts of the Torah are a seamless whole.
Rabbi Basser uses Derech Chaim, Maharals commentary to Avos, as his basic text. Combing the commentary and extracting its basic themes, he gives us a beautifully written work that clarifies complex ideas and opens a window into the thought-world of one of Judaisms greatest figures of the last five hundred years.
This is a book that can be read on many levels. It is an exceptional commentary to Pirkei Avos, it is an introduction to Maharal, and it is a stimulating excursion into the Torahs demands on the ethical individual. However the reader sees it, it is an important and enlightening work that should not be missed.
Browse Related Books:Books > Prayer - Mesorah Series - Expositions on LiturgyBooks > Mishnah > Books on Pirkei AvosPirkei AvosBooks > Mishnah


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I have been working at Interval International
Pros – cross training; synergy; fun work environment
Cons – No longer has matching 401k :-(
Advice to Senior Management – Bring back the matching 401k and the annual raises. The job market will only stay soft for so long.
Yes, I would recommend this company to a friend
I have been working at Interval International
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text: EquipNet is the world's leading provider of used sieves or sifters from a number of respected OEMs. Our vast inventory is constantly changing but we carry a wide variety of OEMs, including: Rotex, Sweco, Midwestern Industries, Nucon, Farley Greene, and many others. If you don't see the used Sieves or Sifters that you're looking for, call one of our representatives and we'll find it for you. We can also source the right tooling and change parts that you need through our huge network of corporate clients from around the globe.


text:
CHARLOTTE, N.C. -- Masters Champion Bubba Watson wasn't around for the weekend at the Wells Fargo Championship at the Quail Hollow Club.
Watson failed to make the cut, posting a 4-over 76 on Friday. He and his golfing buddies, Hunter Mahan, Rickie Fowler, and Ben Crane know how to cut up away from the course.
The group came up with a rap video, known as Golf Boys 2.0, earlier this spring and it's gone viral on the web.
Watson said, "it's just a way to goof around and have fun."
It's more than that. The video was actually produced to raise money and awareness for a non for profit organization known as charity. Water.
It helps build clean water programs for people living in developing countries, including Africa, Southeast Asia and South America.
"The golf game is so mental and you have to release somehow," Waston, the 2012 Masters Champion said.
The Golf Boys 2.0 video features Fowler, Watson, Mahan, and Crane dressed in costume and singing lyrics about other golfers on tour, including Tiger Woods and 2013 Masters Champion Adam Scott.
Watson and his group head to the TPC at Sawgrass for the 2013 Players Championship this week in Ponte Vedra Beach, Florida.


text:
Natural landscape images from Alaska available for fine art print or commercial licensing
Setting Moon over Savage River
Caribou Rack with Mt. McKinley
Reflection Pond 2013
McKinley Panorama from Eielson Visitors Center
This image is composed of 4 indidvidual images stiched together in Photoshop. This was the first trip I've taken into the park in which I've been able to see Denali in it's entirity.
Mirrored Mountain
A nice view of Mt. McKinley on a rare clear day with Water Beatles basking in the sun in the foreground.
Reflection Pond 2
Reflection Pond 3
Wonder Lake
Standing Tall
Alaska Cotton
Lovely Cabins
Alaska Camping
Fall Pond
Olness Pond at Sunset
Olness Pond at Sunset 2
Olness Pond Cloudscape
While we didn't get much Aurora the first night of the season chasing it, we did still get some beautiful night skys to photograph when these incredible clouds rolled in.
Nenana River from McKinley Village
The Long Kiss Goodnight
Sunset in Denali National Park and Preserve from Reflection Pond at Wonder Lake. Denali blushes a majestic alpenglow pink as setting sun kisses her goodnight. The good fortune of being in this moment at this time is owed to a couple of strangers who enabled us to get there just in time. There has never been a more magical or spectacular moment in nature in which I've had the pleasure to see with my own eyes. There may never be.
AlaskaAlaska RangeBeautyDenali HighwayDenali National ParkInteriorLandscapeMt. McKinelyNatureTravelWildWildernessWildlife


text:
- Admissions
- Academics
- Campus Life
- Athletics
- Cost & Aid
- News & Events
- About Plattsburgh
Through the Cardinal Connections Program, SUNY Plattsburgh students can tap into a wealth of knowledge of our alumni that compliments what is being taught in the classroom.
The program also promotes and sponsors various career workshops and events, including: the Distinguished Visiting Alumni program, Dress for Success Fashion Show, Career Night, Cardinal Graduation Expo, Senior Reception, Alumni Speaker Series, career networking panels and workshops, and the annual Etiquette Dinner.
The Cardinal Connections Program also helps connect students with alumni through an online database. This resource currently includes over 1,000 alumni who have volunteered to help students with career networking and career advice. The network also serves alumni who may be interested in exploring a new career or advice on how to move ahead in their current field.
If you are a student and want to learn more about how to access the online database of Cardinal Connections volunteers, contact Kerry Chapin, Assistant Director for Alumni Relations at 518-564-2090 or firstname.lastname@example.com.
Benefits of Cardinal Connections program and database:
Students gain...
Alumni gain...
Questions, comments, referrals or to volunteer contact:
Kerry Chapin '98
Assistant Director of Alumni Relations
SUNY Plattsburgh
101 Broad Street/113 Hawkins Hall
Plattsburgh, NY 12901
Office Line: 1-518-564-2090
Office Fax: 1-518-564-2094
Email: firstname.lastname@example.com
To learn more about the Career Development Center at SUNY Plattsburgh, please contact:
Career Development Center
805 Kehoe Administration Building
101 Broad Street
Plattsburgh, New York 12901
Phone (518) 564-2071
Fax (518) 564-5080


text: Crimson Tide Roll: Top-Ranked Alabama Prevails Over Texas In National Title Tilt Heisman Trophy winner Mark Ingram rushed for a pair of touchdowns, including a key touchdown from the one-yard line in the final two minutes, as the top-ranked Alabama Crimson Tide toppled Texas 37-21 Thursday in the Citi BCS National Championship Game. Alabama (14-0) earned their 13th national championship and their first since 1992. Longhorns star quarterback and Heisman finalist Colt McCoy was forced to leave the game in the first quarter with a shoulder injury. McCoy, the NCAA all-time leader in career wins, got hit by defensive lineman Marcell Dareus at the Alabama 11-yard line. Despite the exit of McCoy, the Longhorns led 6-0 after the first period. Dareus later returned an interception 28 yards for a touchdown in the waning seconds of the first half as the Crimson Tide rolled to 24-6 advantage after 30 minutes of action. Texas backup signal-caller freshman Garrett Gilbert tried to fill in the shoes of the senior All-American McCoy, but struggled in the first half. Gilbert, the son of former NFL quarterback Gale Gilbert, steadied himself and threw two fourth quarter TD passes to Jordan Shipley, the last a 28-yard connection that drew Texas within 24-19. His two-point conversion pass to Dan Buckner pushed the No. 2 Longhorns closer, 24-21. But that was the last time Texas would score, as Gilbert lost a fumble and threw two interceptions in the final six minutes. Greg McElroy completed 6-of-11 for 58 yards, as Alabama gave the SEC its fourth consecutive national champion.


text:
Nigel Hawthorne
• 'The Queen' Is Film Fans' Favorite Movie Monarch
• Spotlight On Films In Which Technology Has Gone Awry: Our Grim Future Awaits
• Celebrity Birthdays, April 5
• Celebrity Birthdays, April 5
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Having made his London stage debut in a 1951 production of "You Can't Take It with You", Hawthorne knocked about theaters in South Africa and Britain for two decades without much fanfare. When he reached his 40s, however, his face began to show character, revealing new vulnerabilities, and better parts came his way. After acting in his first featur... Continue Bio >>
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text:
LSU quarterback commit Hayden Rettig has found some competition in the class of 2013.
That's because quarterback Anthony Jennings from Marietta (Ga.) High School committed to LSU on Thursday. He chose the Tigers over Alabama, Arkansas, Ole Miss, Mississippi State, Oregon and others.
"LSU is a perennial powerhouse in college football and I'm looking forward to helping the Tigers continue to be in the National Championship hunt year in and year out," Jennings said in a released statement. "I'm looking forward to earning the respect of my future teammates at LSU and to play for a coach like Les Miles, someone who has won a National Championship in the past and knows how to get his players to perform at their very best. I'm also very excited to be coached and mentored by Steve Kragthorpe. As my position coach, we have already developed a great relationship and I know that will only get stronger in the future."
Jennings is considered the nation's No. 13 dual-threat quarterback by ESPN RecruitingNation. He's the 17th prospect to commit to LSU for the 2013 class.
Jennings, who ESPN considers to be the nation's No. 259 prospect overall, gives LSU its ninth commitment inside the newly released ESPN 300.