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I think it is a...

Discussion in 'Banking - Investing - Finances' started by grandpainak, Jul 8, 2020.

  1. grandpainak

    grandpainak DI Senior Member Showcase Reviewer Veteran Army

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    Communist conspiracy. Took 15 months to get a reimbursement from the FMP (just yesterday). Now I am unable to cash or even deposit it into my us bank account. The US Government collected interest on my money for 15 months. The FMP will NOT do a direct deposit and sends a check from the states to hear. Now I have to mail it BACK to the US to my bank there. I took said check to the Post Office, (PhilPost) in Dumaguete, this morning. Was told they are no longer except mail going to the US. Now I have a check, that I have been waiting 15 months for that will expire before I can get it deposited to any of my accounts. The check is dated 04/29/20 and it will be void in ONE YEAR. If I am lucky and get it deposited before the check expires the US Government will be collecting interest money for that amount for two years. No one can convince me that the US Government dose not know that. I know that this check is not for a large amount but when you times that be hundreds or hundreds of thousands of FMP checks, the amount of money in interest is huge. As for me the US Government have been a huge pain in my a$$ for most of my life. I am d*mn glad that I no longer live there and glad the Philippines allows me to live here. I say let the people from any country that thinks the US is the land of milk and honey to have at it.
    I could probably go on for much longer. Just think about what DC in Washington (DC) stands for. That is right you guested it, "District of Communism".

    JB out.
     
  2. Always a Poppy

    Always a Poppy DI Forum Adept

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    Are Americans still paranoid about communism? I thought that went away in the 70s.
     
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  3. shabbynomad70

    shabbynomad70 DI Member

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    It's not paranoia if they're really out to gitcha!!
     
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  4. SkipJack

    SkipJack DI Forum Adept

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    I don't know.
    Most US banks have an App for your phone that will let you deposit a check by taking a picture of it.

    This is how I deposit checks in the US. My mail service scans the check and emails the scan to me. I forward the scan to the bank with the App.
     
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  5. Always a Poppy

    Always a Poppy DI Forum Adept

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    One hiding round every corner eh? Sort of sounds like paranoia.
     
  6. shabbynomad70

    shabbynomad70 DI Member

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    hhaha, well maybe, i don't know not having been around every corner. i do read about the chinese activities in the south china sea that seems to concern all of our neighbors including australia. i read about communist activity on our island of negros and on mindanao. our philppine president called communists the greatist threat to the philippine in a message a couple of weeks ago. my neighbor who is a retired policeman advised not to travel overland to bayawan from dumaguete but to travel around the coast. as far as the philippines goes i really don't need any more that this this to be concerned. as far as living in the US i was and am used to living in a country targeted by at least three communist countries with nuclear missiles (if you count north korea). may i repeat, its not paranoia if they're really out to gitcha!!
     
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    grandpainak

    grandpainak DI Senior Member Showcase Reviewer Veteran Army

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    I do believe that when they decide to send the refund check it would at least be cashable by me. Sending me a refund that is a worthless pice of paper is NOT A REFUND it is a scam not a refund. I guess I could use it as a pice of s*it paper and wipe my a$$ with it. This kind of BS is the ear mark of a communist country. Just google "Bad Cops" or "Policing For Profit"
     
  8. Rye83

    Rye83 with pastrami Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    This is exactly what your bank does when you deposit money in to your checking account. If you put it in a savings or money market account they share a bit with you. This is a product of capitalism, not communism. These types of banking issues are part of living overseas, get a VPN service and use your bank's online check deposit feature (my banks, Schwab and Capital One, disable the service when using a foreign IP address). If your bank doesn't offer such a service move to a bank that does.
     
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    grandpainak

    grandpainak DI Senior Member Showcase Reviewer Veteran Army

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    My bank dose NOT do that behind my back or against my will and they DO Not right checks that can not be cash. If they did the FEDS would put them out of business quick. But if the FEDS do that it is okidoky. Just like the cops in the USA can shout you in the back DEAD because you are 100% death from birth. Just because you didn't stop when COMMANDED to do so by the murderous cops. As far as I am concerned the Mexicans and the Chinese can have the USA.
    I only deposit into my savings account.
     
  10. Rye83

    Rye83 with pastrami Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    Your bank absolutely does make money off of the balance in your checking account. Your money is loaned out to others when you deposit it in a bank. This is why if every person tried to withdraw the full balance of their accounts the banking system would completely collapse. You, of course, agreed to this (read the small print) and you should be very well aware of how the banking system works in a capitalist society. The government also uses this capitalist banking system and it should be understood that they will make interest off of money in their accounts as well. It would be extremely irresponsible and negligent for them not to.
     
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