GoochoLibre
82491
2510
55
If this person is real... are they proud?
The thickness is tasteless. My god, there's not even a watermark.
"We got your personal information... that's a month behind. So we know about you. Now that we bought your info and lied to you, give us your money!"
Someone's grandma is getting taken for a ride with this shit.
SOMEBODY THINK OF THE GRANDMAS.
whoisyourdaddy
When the polish turns to shit, take it off.
StripTheFleshSaltTheWound
I worked at a place that processes this garbage and I can tell you that all of us need to be checking our parents and grandparents mail.
SpoilsburyToastMan
So, the internet is going to bombard that email address and phone number with vitriol I hope?
WhaddyameanUGHidontlikeSPAM
got a business reply envelope in there? Put a steel plate in it and put it in the mailbox. They have to pay the postage on that shit.
WhaddyameanUGHidontlikeSPAM
write profane things on the steel plate, too
supermamabear
If they include a postage paid envelope, full it with heavy stuff and mail it.
ThisDeservesMoreUpvotes
I love doing this
Ivygreenberry
Upvote for the American Psycho reference.
GoodKingFuzzwumps
I get these too. Just trash 'em.
iusedtodream
I bet Wells Fargo had a hand in this.
Damiv
This shit should be illegal. It’s pure fraud.
dcs1326
Meh, I've been getting 3 refinance offers a week since the day I closed on my house. Shred them and move on.
nimdae
I would be all for legislation that requires all solicitations to be clearly marked as such on the outside of the correspondence.
boopbetty
Good idea. Just like 'ad' articles on the internet do.
StoicOptimist
Be nice it were the "Final Notice" I think one company has sent my mom about 50 of these in various styles.
Unatommer
My brother in law takes the pre paid junk mail envelopes, switches the advertisements and sends them to each other (sanitizes his info first
HowDidTheyUnderstandR2D2
Do a quick credit check to make sure they didn't actually attach a debt to you SIN#.
theblockbuster9000
Always look at the class of the mail in the stamp area. In the US, "presorted standard" is always spam.
aylienkitty88
Idk if you did it on purpose @op but I like how you used your middle finger to cover the identification information
GoochoLibre
Oh, it was on purpose. Behold my blasé revenge. :)
mongoose40
Why block out his contact info? He deserves to be spammed with emails and calls.
krapmyself
Tell them you can only pay with a bag a dicks meant for eating.
digitaldemons
I'm from (western) Washington. "Eat a bag of dicks" is an offer for a good time.
GoDownToTheStoreGetSomeViagraAndItllHelpYouGoFYourself
From eastern Washington, we also have dicks and a bag from/of dicks is a wonderful time.
Roaddog184
Best burgers in Seattle. I'll take one deluxe, large fries and chocolate shake.
WhichIsIt
Dang $50,000 car loan?
boopbetty
Truck, camper, or fancy car.
memepawn
First day on the Internet, eh?
Tr1gg3rH4ppy
Dox them
LenfantSauvage86
you might get some satisfaction watching this guy. https://www.youtube.com/c/JimBrowning/videos
TeenageMutantNinjaAbortedFetuses
So epic
opetchas
So good
s1yb00ts
.
Buttholedestroyer69
I have no idea what's happening here
HexieLexie
It’s a scam
Justwanttomakecomments
Some kind of scam but I'm missing like all of the information to understand how or why OP know this is a scam.
JustBoone
God I hate this shit, straight into the bin to be burnt.
NapoleonDynOmite
I also hate chipped up nasty nail polish. Put that bitch in the bin!
Poipoine
Glad I never received those in Belgium. Scams by email only.
Hurro
Phone calls for me, in Canada.
AwkwardlyUncomfortable
I get all of these in America. Spam texts too
FireProblems
I wanna know how these people evolved without a conscience. I’d feel SO AWFUL if i did anything like this, WHY don’t they have this??
PolarHailStorm
You take the human aspect out of the equation. Either don't see them as human, or don't see them at all. Conscience is clean.
DefinitelyNOTDrEvil
As someone who works in a bank...it's hard watching this happen to people, young, old, educated, dropouts, married, single...doesnt matter
MPinky
Into the sin bin.
alcoholicjoker
straigt to the police and file a case
SomeNameGoesHere
I agree. Put the scammers on a trashcan and light them on fire...
kittykat
Do burn or shred this nonsense. Always worries me how easy identity can be stolen with this junk.
mymistake4coffins
You're talking about the sender, right?
tonydanzaismymanza
Dont. I stead with every si hole one of them fill the SASE as heavy as you can and send it back to them. They’ll pay for the postage.
HexieLexie
They aren’t even supposed to put auto payment on the envelope as well as final attempt omg this person can get sued in more ways than one
emjay9010
I'm not sure what's going on here. But, by the tone of the OP, it seems to me, that this person can go get fucked in more ways than one too.
HexieLexie
Finally, I get points! I haven’t had points in two months. I’d like to thank the idiot who sent this poor soul this letter and the poster
HexieLexie
Sorry I meant the person who sent this envelope can get sued and fucked in more ways than one
emjay9010
OH! Now that you've said this, I re-read my post and can see how it may look. I took you to be talking about the collection agency or the
emjay9010
scammers(?) or whatever's going on there. My post wasn't about the OP either. She's clearly angry at whoever they are, that's all I meant.
HexieLexie
Any Financial institution is not allowed to indicate anywhere on that envelope regarding a loan or a payment. It’s part of the BSA
DocTanner
Spectrum does this. They send an "Urgent Notice" that's just an ad. And, for some reason, you can't opt-out. Should be fucking illegal.
AcquiredSire
Call them and demand they put the do not contact codes on your account. They exist, they just don't want you to know they do.
DocTanner
I've wasted some hours on the phone with them already and been repeatedly assured that such a thing was "impossible". Not worth the time.
AcquiredSire
I know because I used to work in a call center for them.
LegendaryGrumpyCat
They keep calling us about cable. Even if I did want it, the annoyance has made me damn sure it won't be with them.
DocTanner
At least phone calls are illegal if you're on the do-not-call list. Apparently paper mail is unrestricted.
flipismycat
I also have Spectrum. It's the only decent ISP I can get. They do the same for me.
Snarknado
Ugh exactly. And they do it to EXISTING CUSTOMERS! For the love of God, why?!
DocTanner
Exactly! That's why it should be illegal. I _have_ service with you. If there ever is an _actual_ urgent notice, I swear to god I'm 1/2
DocTanner
2/2 gonna take them to court over it on the basis that they "cried wolf" and rendered their notification meaningless.
TrapsAreIllegal
My Canada Post mail carrier is good about throwing those out because of the no junk mail sticker
AbsolutelyUndecided
Send it back with glitter
JoeT85
Yis!!! Noice!!! haha, revenge!!!
Soufange
If they pay for postage strap that letter to a standard small shipping box full of stones.
JoeT85
Use one of those postal guarantees boxes
Pendragon4459000
gradeD
Buddy Cole?
SonOfLucifer
glitter bopmb.... mwahahaha
VesselOfHate
Where?
leaderofthedamned
Generally those letter come with self addressed prepaid envelopes inside. I fill them full of paper shredding and send them back.
VesselOfHate
prepaid? lucky, mine always demand a stamp.
AbsolutelyUndecided
It's be worth the fifty cents if it was filled with glitter
SwaghettiYologneseWithMemeballs
It's a scam?
BavarianGuy
No, PAY YOUR BILLS!
idontknowhowthissiteworks
The scam is in the fine print you don’t read when you let them refinance your loan for you.
byohzzrd
It's an offer to refinance. Basically predatory loan offers.
sliveroflight
It's a scam.
cheeseguy3412
I just got my own place 2 months back. Been gathering scam attempt mail just for giggles - stack is 3 feet high so far. 1/2
cheeseguy3412
They even have my mortgage info, or enough of it to appear as though they do. 2/2
elahrairah
Is it a scam if I offer to sell you an umbrella for $500 ? sort of kinda bad news
Yurets1257
Even if the company is OK (their website looks kinda fine to me), the letter is sketchy. Phone numbers are different from the ones listed.
MWB5
If the stamp says "Presorted Standard" it's an ad/scam. The dead giveaway is that they won't pay for First Class Postage like bills do.
Tenugui
No, it's just an ad. They try to trick people who don't read closely into thinking they need to take action.
FlatPlutoSociety
I don't know if scam is the right term. VERY underhanded sales tactics for a legally provided service, though.
KillerTofu615
I get shit like this because I have a VA mortgage, its the MOST mail I get. Always like you're missing out on 3500 dollars if you use 1/2
KillerTofu615
a program that is one time only for your VA loan and is designed for SAVING your home. It pisses me off.
Imalwaysready
90% of all mail is. Better Homes & Gardens? I've been subscribing for years and my home and garden are exactly the same as they used to be.
xj4low
These and Architectural Digest are just photo shoots with rooms overfilled with furniture.
shaftofbread
that's exactly the same thing that happens with gym membership. a total scam.
tesseract4d2
It's not to make yours better, it's to show you some that are better than yours.
Redisia
@Imalwaysready - I live in the Netherlands, never EVER had scam mail.. just add folders. Are you legit about 90% scams? damn scary
Snooj
Most things deteriorate over time so that subscription is keeping everything exactly the same. That's nothing short of a miracle.
HotFruitcake
Oooh I loved the article from Rick Bragg and then the grumpy Gardner. Also the recipes are also amazing.
ohthechestpain
Hehe
b00mtown
This comment deserves more points than the original post......
cliathwolf
MetaSomma
Worse, even! There's garbage piling up everywhere!
nickdillinger
gIoblobbIobgob
Well you need more than one home and garden, obviously. It ain’t Better Home and Garden, now is it?
udick
i like this joke, i'm stealing it.
degenerator
The magazine only guarantees that you end up with the home and garden that you actually deserve. Serves you right.
Pecka98
Gold comment
JoeT85
trash mailing has become a serious problem. I get enough CC applications to wallpaper a house.
WhichIsIt
Become? Like 50 years ago?
biblioteker
CC companies used to send active cards to non-customers. Get thrown out, others would comb thru the mail, use the cards, run up debt.
gaijinsmash
I thought they were a real estate company? So your home & garden should be the exact same unless you buy a new home
gaijinsmash
Nevermind, just saw that theres also a crafts website w/ the same name
i2ocker89
Does anyone know if you can cancel mail?
Tenugui
Literally the bottom of the ops pic has the method to cancel pre-screened credit offers.
i2ocker89
I mean cancel ALL mail. I do everything online anyways and get paperless statements. It's 2020 ffs I don't get the mail for a month sometime
shaftofbread
literally the oldest trick in the spammer's playbook. clicking 'unsubscribe' assures that you'll receive even more spam
Tenugui
it's the credit bureaus that provide the info to this type of marketer. You can tell them to stop doing that.
AmZero85
Yep we did this a few years ago and haven't gotten this type of shit.
butthurtnevergetsbetter
It's just barely skirting the edge of legality. Not sure which side of the edge.
MWB5
Skirting the legality edge by a paper thin margin?
TheGodEmperorOfChaos
Considering how thin the paper is, it seeped through and doesn't matter.
stoutde
"clever" advertising. :(
SwaghettiYologneseWithMemeballs
I'm gonna go with the side that sends you legit looking paypal e-mails from an obviously fake address
HollyRex
I keep getting mortgage letters from my “bank.” It looks like it’s from my bank, but they left a letter out & shortened others (fed crd un).
HollyRex
Actually, they wrote it as “finc’l cred un” my grandma would definitely fall for it.
HollyRex
*I called my real bank and they said it’s not from them.
ThanatosElNyx
AFAIK you can buy debt from banks and such. They are sometimes called Vulture Funds but they are glorified Loan Sharks.
notreallythatunpopularopinionrabbit
This one says 'prescreened' and 'information only, approval required' which is language the gov't forces them to put in 'advertisements'
ThanatosElNyx
Not sure if that is the case here mind you but it could be "legit"
derBernd
There is a legit business practice that is called factoring. You can buy debt (or just unpaid obligations) from other people. 1/x
derBernd
That in itself is not scummy. Instead it's a good way to sell the risk of not being paid to someone. And it also enables you to be paid 2/x
derBernd
immediately (with a small deduction for the risk). Meaning you can reinvest the money earlier.
derBernd
You can also buy obligations that are past due. Usually that is done at a hefty discount. See underperforming loan. That is what is meant ..
barbarian818
I seem to recall a church or something buying up peoples medical debt and forgiving it using that practice.
derBernd
Yeah, that's more effective than straight giving them the money. Because you bag the discount on the nominal value because of the risk
derBernd
of the debt not being paid, which you don't care about because you plan to forgive them. The money goes further that way.
kodiak931155
Your thinking of Jon Oliver
barbarian818
That's possible, quite possible in fact.