Punishment for the Poor
Posted: December 5th, 2005, 11:28 am
Punishment For The Poor
By
Richard Moylan
Those of us who are financially challenged are punished relentlessly by the multi- billion dollar corporations that we are forced to deal with to survive. If we did not need these corporations to survive I think most of us would tell them to take a hike! I’m talking about utilities, financial organizations such as banks and any other firm that can separate us from our money. Lets face it they are not out here to offer us a service that’s their second priority their main goal is to make money.
A lot of us from time to time will find our selves living from pay check to pay check barely making ends meet. During these hard times we might fall behind in our bills.When this happens it starts, the snow ball effect of late fees, penalties, and over draft charges, punishment for being poor. The poor keep getting poorer and the rich get richer. Them that has gets.
I often wonder what would happen if one day a big hearted executive would decide to offer a little help to a struggling customer of twenty years in stead of an over draft charge or a substantial penalty for early withdraw? It would be nice if this executive noticed the struggle his good customer is having and offers a little assistance. Dear customer, our records indicate that you are behind in your payments, would you like to skip this months payment in order to catch up on your bills? Fat chance!
My favorite form of punishment for late payment is the threat notice more known as the cut off notice, when executed, can disrupt your life more than your services. You can’t flush your toilet when your water is cut off! I bet there is a health code violation there?
Another form of punishment is psychological, the relentless hounding of professional collectors who use the phone. They have a one track mind, the only thing that will satisfy them is a promise of payment, they are unforgiving! Some will insist that you break the law, they demand payment, a post dated check, knowing you don’t have the money to cover it. Writing a bad check is against the law isn’t it?
Yes everyday we are punished for being poor. In some cases it’s our own fault, were poor due to our short comings. In some cases it’s not our fault there are many reasons for financial devastation, medical, educational, or maybe we were just dealt a bad hand but regardless of the reason do we have to be punished for it? Why do we have to keep paying for what we don’t have? Has big business gotten so stingy that our well being is less important than our money?
By
Richard Moylan
Those of us who are financially challenged are punished relentlessly by the multi- billion dollar corporations that we are forced to deal with to survive. If we did not need these corporations to survive I think most of us would tell them to take a hike! I’m talking about utilities, financial organizations such as banks and any other firm that can separate us from our money. Lets face it they are not out here to offer us a service that’s their second priority their main goal is to make money.
A lot of us from time to time will find our selves living from pay check to pay check barely making ends meet. During these hard times we might fall behind in our bills.When this happens it starts, the snow ball effect of late fees, penalties, and over draft charges, punishment for being poor. The poor keep getting poorer and the rich get richer. Them that has gets.
I often wonder what would happen if one day a big hearted executive would decide to offer a little help to a struggling customer of twenty years in stead of an over draft charge or a substantial penalty for early withdraw? It would be nice if this executive noticed the struggle his good customer is having and offers a little assistance. Dear customer, our records indicate that you are behind in your payments, would you like to skip this months payment in order to catch up on your bills? Fat chance!
My favorite form of punishment for late payment is the threat notice more known as the cut off notice, when executed, can disrupt your life more than your services. You can’t flush your toilet when your water is cut off! I bet there is a health code violation there?
Another form of punishment is psychological, the relentless hounding of professional collectors who use the phone. They have a one track mind, the only thing that will satisfy them is a promise of payment, they are unforgiving! Some will insist that you break the law, they demand payment, a post dated check, knowing you don’t have the money to cover it. Writing a bad check is against the law isn’t it?
Yes everyday we are punished for being poor. In some cases it’s our own fault, were poor due to our short comings. In some cases it’s not our fault there are many reasons for financial devastation, medical, educational, or maybe we were just dealt a bad hand but regardless of the reason do we have to be punished for it? Why do we have to keep paying for what we don’t have? Has big business gotten so stingy that our well being is less important than our money?