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(Colorado Springs Gazette)   "Hello, DirecTV? My house was destroyed in a fire so I need to cancel my account." "No problem, sir. That will be $400 for the dish that was on your house"   (gazette.com) divider line 161
    More: Asinine, Direct TV, Black Forest  
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6205 clicks; posted to Main » on 14 Jun 2013 at 7:21 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-06-14 08:11:32 AM  

Mr. Coffee Nerves: mobile homes and cheap apartments


Could it be that  mobile homes and cheap apartments are far more common than houses?
 
2013-06-14 08:11:33 AM  

cretinbob: That's what homeowners insurance is for

 
2013-06-14 08:12:05 AM  
Tag is for home owner right?
 
2013-06-14 08:12:52 AM  
Don't forget the value added, termination and convenience fees!  Is the company at fault?  No.  Is corporate America a sh*thouse?  Yeah.
 
2013-06-14 08:13:18 AM  

NickelP: Mr. Coffee Nerves: Slightly off-topic, but doesn't it seem like most of the personal satellite dishes are attached to mobile homes and cheap apartments? Maybe it's just me. I rarely see the things in newer developments but when I drive through town some of the older houses chopped up in to Section 8 apartments have so many dishes it looks like a branch office for SETI.

nicer apartments tend to do things like charge decently large deposits on them (you can't legally not allow them).  shiat holes ones don't give a fark.

Also they can't not allow them legally, but tons of HOA's restrict them anyways and just back down if they get sued.  Most people don't care enough to fight it.


Yea the rule here is they have to allow them, but can restrict them to only be attached to something that is part of your lease, and you must remove them when you leave, and repair whatever you mounted them to, which really limits where you can stick one.
 
2013-06-14 08:14:16 AM  

NickelP: Mr. Coffee Nerves: Slightly off-topic, but doesn't it seem like most of the personal satellite dishes are attached to mobile homes and cheap apartments? Maybe it's just me. I rarely see the things in newer developments but when I drive through town some of the older houses chopped up in to Section 8 apartments have so many dishes it looks like a branch office for SETI.

nicer apartments tend to do things like charge decently large deposits on them (you can't legally not allow them).  shiat holes ones don't give a fark.

Also they can't not allow them legally, but tons of HOA's restrict them anyways and just back down if they get sued.  Most people don't care enough to fight it.


Also at least for the apartments, they can say you can't run internal wiring so your ass gets stuck with those flat little cable strung through a sliding glass door and running along baseboards everywhere.
 
2013-06-14 08:14:32 AM  
Insurance.  Have it, use it.

What a big dummy.
 
2013-06-14 08:15:33 AM  

MooseUpNorth: He should. At least in Canada, banks tend to require insurance (with the bank as beneficiary) as a condition for granting that mortgage. House burns down, insurance pays off the mortgage, everybody walks away.


That's not exactly forgiving the mortgage.  They're getting their money.  As stated many times before upthread - that's what insurance is for.

Even after personal tragedy, life goes on, and books have to balance.  I'll say it again - that's precisely what insurance is for.
 
2013-06-14 08:15:34 AM  

kindms: Directv became so expensive and they would rather lose a longtime customer than offer the same intro or special pricing for new folks so I dumped them


Yeah... Unfortunately that was the networks putting the screws to them, rather than a voluntary decision.

/My favorite has been Fios... although im stuck with comcast atm.
 
2013-06-14 08:15:43 AM  

Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.


I'm guessing there is more to this story.. Was the account wasn't in his name was it?
 
2013-06-14 08:17:31 AM  

Babwa Wawa: MooseUpNorth: He should. At least in Canada, banks tend to require insurance (with the bank as beneficiary) as a condition for granting that mortgage. House burns down, insurance pays off the mortgage, everybody walks away.

That's not exactly forgiving the mortgage.  They're getting their money.  As stated many times before upthread - that's what insurance is for.

Even after personal tragedy, life goes on, and books have to balance.  I'll say it again - that's precisely what insurance is for.


And a basic renters insurance policy is insanely cheap. Most decent places require you to carry one as well.
 
2013-06-14 08:17:41 AM  

Dracolich: rufus-t-firefly: Securitywyrm: Exactly. Yeah it sucks that something bad happened to you, but you rented the dish from them. That's how it works.

But when you move, DirecTV tells you to just leave the dish behind and they send you another one.

This is also in their best interest.  If you were the person moving in and you saw that there was already a system in place, would you call them to get it going again or would you go through the hassle of getting a different provider?  Results may vary, but it's a better chance of getting the business than removing it.


The dish the previous owner left in our yard works great as a toy for the kids. We called to ask about removing it when we moved in, since we have fios, and they tried their hardest to get us to buy the service, but we said nope, and they just told us to leave it. It makes a nice decoration in the back of the yard.
 
2013-06-14 08:19:12 AM  

LineNoise: One of these threads again?

Yes, your insurance, (homeowners or renters, you are responsible and spend the like 75 bucks a year for renters insurance, right?) will take care of it, which is why direct tv will bill you. If they did not, anyone who wanted to get out of any contract ever could just make up some sob story, and companies would then have to play detective on everything.

Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

Why shouldn't they? They are no different than any other creditor, be it a credit card, a mortgage, whatever, that the estate is OBLIGATED to pay out. Had your father died destitute, or had mr burnt dish mcdish been destitute, there are procedures in place to essentially say, "hey, we got nothing left to pay you with" to disolve the debt.

Lets say your dad owed 100k on his mortgage. Should the bank just say, "wow, sucks he is dead, we will forget about the 100k he owed us, enjoy the house!"


Lol, do you seriously no know the difference between secured and unsecured debt?
 
2013-06-14 08:19:23 AM  

cretinbob: That's what homeowners insurance is for


This. Most homeowners insurance covers the contents of the house up to a certain amount (and if they don't, they should.) Just say, "talk to my insurance company."
 
2013-06-14 08:19:53 AM  

tbhouston: Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

I'm guessing there is more to this story.. Was the account wasn't in his name was it?


No that is standard. They are just making sure they get in line with every other creditor. They assumed that he would live through his contract, and thus subsidized his phone for him. They are due their money just like visa, whoever you financed your car from, etc. Granted your cell phone company is going to be way at the end of the line, but they want to make sure they at least get in line.

Had his father died broke, he would not have been responsible for it.
 
2013-06-14 08:19:54 AM  

Waldo Pepper: If for some reason this guy has no fire insurance I can understand him making a fuss.


Why the hell should him having insurance make a damned bit of difference?
 
2013-06-14 08:19:59 AM  

cheap_thoughts: Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

You're not responsible for your parents debt.


Yes he is if he is inheriting his parents' estate. If his dad has $100 in his bank when he dies, but owes $75 to Verizon, his inheritance is $25.  Have fun with your inheritance.
 
2013-06-14 08:20:27 AM  

ajgeek: DirecTV could've been a bit more tactful about that. The guy was obviously emotional as hell. He just lost his farking HOUSE! But I agree he owes the money, and the homeowner's insurance should cover it

/I know, tact is a 4 letter word.


Part of the issue here is that Comcast, Centurylink and the libraries all told homeowners not to worry about books or equipment destroyed in the fire. I think even the trash companies are just writing off the big waste containers -- if yours blows away or you hit it with your car or something they usually charge you for it.

DirecTV has insurance too. And writing off some destroyed equipment has got to be easier than trying to collect it from displaced homeowners, not to mention the bad PR.
 
2013-06-14 08:20:57 AM  

Parkanzky: He was renting those receivers.  They belonged to DirecTV.  If he'd had an Avis rental car in the garage, would he be pitching a fit because Avis wanted him to pay for the car he wasn't returning?


Right, but as Badhatharry brought up, they've been depreciating all of their rental equipment.  This puts the residual value much lower than starting price especially if they used an accelerated depreciation method.  If they charge you more than the residual on this, they can't turn a profit on the amount that goes over the residual due to depreciation recapture.  I'm not an accountant, so I may be a little off; but to me it looks like any amount that the guy is asked to pay over the residual goes straight to the gov't.
 
2013-06-14 08:21:08 AM  

tbhouston: Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

I'm guessing there is more to this story.. Was the account wasn't in his name was it?


When somebody dies, their estate still owes the money for any outstanding debts or contracts.  Creditors get first dibs at any inheritance.  Its up to the person managing the estate to get the funds from the deceased's account to where it belongs.  So essentially, its up to the child to pay the bill  using money from the inheritance.

If no inheritance exists or was exhausted by other creditors, then the person owed the debt is shiat out of luck.  Usually there is  something though, whether its life insurance or whatever.
 
2013-06-14 08:22:51 AM  
Fark DirecTV. Not because of this... just Fark 'em for cheap sign up rates which disappear in a couple months. I will say this, it's no wonder some of you are so content living under a corporate-controlled plutocracy. I'm curious, does it hurt less when your having a dick shoved up your ass if you suck it first and get it all wet?
 
2013-06-14 08:23:05 AM  

jelloslug: Lol, do you seriously no know the difference between secured and unsecured debt?


Yes, do you? Just because something is unsecured like a credit card or a phone contract, which is not tied to a physical object which the lender takes an ownership claim in as part of the loan, like a mortgage, does not mean the debt vanishes upon death. It just means the creditor does not have a physical object to say, "wait, that is ours, and should not be considered as part of the estate until we are made whole".
 
2013-06-14 08:24:07 AM  

Dracolich: Right, but as Badhatharry brought up, they've been depreciating all of their rental equipment.  This puts the residual value much lower than starting price especially if they used an accelerated depreciation method.  If they charge you more than the residual on this, they can't turn a profit on the amount that goes over the residual due to depreciation recapture.  I'm not an accountant, so I may be a little off; but to me it looks like any amount that the guy is asked to pay over the residual goes straight to the gov't.


When you are responsible for an items destruction, civil law generally dictates you pay the replacement cost.
 
2013-06-14 08:24:32 AM  
The only reason I call shenanigans: there were 3 DirectTv dishes attached to my roof when my wife andi bought our house, farking 3. I have no idea why 3 would be needed, but they were there.
 
2013-06-14 08:25:02 AM  
Watching TV makes you stupid. This guy seems to have watched a whole LOT of it.
 
2013-06-14 08:25:26 AM  

Sensei Can You See: ajgeek: DirecTV could've been a bit more tactful about that. The guy was obviously emotional as hell. He just lost his farking HOUSE! But I agree he owes the money, and the homeowner's insurance should cover it

/I know, tact is a 4 letter word.

Part of the issue here is that Comcast, Centurylink and the libraries all told homeowners not to worry about books or equipment destroyed in the fire. I think even the trash companies are just writing off the big waste containers -- if yours blows away or you hit it with your car or something they usually charge you for it.

DirecTV has insurance too. And writing off some destroyed equipment has got to be easier than trying to collect it from displaced homeowners, not to mention the bad PR.


I'm sure they know they won't collect a lot of it (the bean counters surely considered this as LN noted above).  From the ones that truelly don't have insurance they will stick it on their credit report, some will want to get a loan for something some day and say 'damn, maybe its worth paying that few hundred so it marks as paid and I can improve my score a bit'.  Others will get sold to a collection agency for .20 cents on the dollar and DTV gets something when they would of gotten nothing.  They also probably get a shiat ton paid when people go through the trouble of adding it to their primary insurance claim vs just saying 'oh fark it I have a ton of stuff going on I don't want to deal with DTV if they are willing to waive it'.
 
2013-06-14 08:25:47 AM  
who green lit this?

/lame
 
2013-06-14 08:26:43 AM  

TimonC346: The only reason I call shenanigans: there were 3 DirectTv dishes attached to my roof when my wife andi bought our house, farking 3. I have no idea why 3 would be needed, but they were there.


The old school dishes could only support 1 or 2 outputs. So if you wanted it in 5 rooms, and wanted a dvr in 2 of them that could record 2 shows at once, you had to toss up more dishes. I think they have worked out ways around this these days and it is less of a concern, but there is still some upper limit as to the number of individual streams you can pull off one dish.
 
2013-06-14 08:27:09 AM  

Dahnkster: Fark DirecTV. Not because of this... just Fark 'em for cheap sign up rates which disappear in a couple months. I will say this, it's no wonder some of you are so content living under a corporate-controlled plutocracy. I'm curious, does it hurt less when your having a dick shoved up your ass if you suck it first and get it all wet?


Push the coffee cup away.
 
2013-06-14 08:28:07 AM  
FTA, other utilities and even Comcast absorbed the loss of equipment from the fires.  Did anyone catch that?   Comcast told them not to worry about the lost equipment.  That just goes to show how awful DirecTV is.

Its not hard for the company to investigate.

Look up address
Turn the news on
Has it been burned to the ground by wildfire?

Pretty easy.  While they may be right, its another lesson in bad PR.
 
2013-06-14 08:30:04 AM  
Too bad he wasn't a huge bank. Then everything would be comped.
 
2013-06-14 08:30:13 AM  
Reading the article, DTV asked him to speak with his insurance company.  He evades the reporter's question about that with more complaining.  So my guess is:

1.  He doesn't have insurance.

2.  He does and makes a claim for the receivers and dish but wants to keep the money.
 
2013-06-14 08:30:44 AM  

rgGolf4: FTA, other utilities and even Comcast absorbed the loss of equipment from the fires.  Did anyone catch that?   Comcast told them not to worry about the lost equipment.  That just goes to show how awful DirecTV is.

Its not hard for the company to investigate.

Look up address
Turn the news on
Has it been burned to the ground by wildfire?

Pretty easy.  While they may be right, its another lesson in bad PR.


I find it hard to believe that comcast is going to walk away from what, for most people, would be an easy line item on their insurance claim.

Your electric company, gas company, etc doesn't really have anything on your property that you technically own and are responsible for.
 
d23 [TotalFark]
2013-06-14 08:31:36 AM  
wow.  Every time we have a thread like this we see how degraded the U.S. has become.

Corporation Uber Alles!!
 
2013-06-14 08:32:55 AM  

jelloslug: LineNoise: One of these threads again?

Yes, your insurance, (homeowners or renters, you are responsible and spend the like 75 bucks a year for renters insurance, right?) will take care of it, which is why direct tv will bill you. If they did not, anyone who wanted to get out of any contract ever could just make up some sob story, and companies would then have to play detective on everything.

Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

Why shouldn't they? They are no different than any other creditor, be it a credit card, a mortgage, whatever, that the estate is OBLIGATED to pay out. Had your father died destitute, or had mr burnt dish mcdish been destitute, there are procedures in place to essentially say, "hey, we got nothing left to pay you with" to disolve the debt.

Lets say your dad owed 100k on his mortgage. Should the bank just say, "wow, sucks he is dead, we will forget about the 100k he owed us, enjoy the house!"

Lol, do you seriously no know the difference between secured and unsecured debt?


It's called getting a judgement and Verizon will do it. You don't grow a global company by forgiving debt for something everyone will have to endure one day.  I just bought apiece of property that was in a trust in a family. The closing took 6 months because a deceased brother had an unpaid credit card judgement against him for $6k before he died. When he died, the court transferred the judgement against the estate  and the particular piece of property was part of the estate, Before they could sell the property, the judgement had to be settled.  It went from $6k in 1996 to over $66K in 2012 from compounding interest.
There was no secured loan. It was a contract in which he breached because of non-payment when  before he died and then his estate  still didn't pay.  The executors of the estate still didn't pay it over the years ignoring the letters saying it was ballooning.
I'm not sure you understand unsecured loans. Just because there is no collateral put up for payment of a term contract doesn't mean it is a loan.  Even if it was, it still doens't mean a lender has no choice but to throw his hands in the air and say "aww shucks".
 
2013-06-14 08:33:14 AM  

LineNoise: jelloslug: Lol, do you seriously no know the difference between secured and unsecured debt?

Yes, do you? Just because something is unsecured like a credit card or a phone contract, which is not tied to a physical object which the lender takes an ownership claim in as part of the loan, like a mortgage, does not mean the debt vanishes upon death. It just means the creditor does not have a physical object to say, "wait, that is ours, and should not be considered as part of the estate until we are made whole".


He doesn't understand the difference in recourse and nonrecourse debt.

LineNoise: TimonC346: The only reason I call shenanigans: there were 3 DirectTv dishes attached to my roof when my wife andi bought our house, farking 3. I have no idea why 3 would be needed, but they were there.

The old school dishes could only support 1 or 2 outputs. So if you wanted it in 5 rooms, and wanted a dvr in 2 of them that could record 2 shows at once, you had to toss up more dishes. I think they have worked out ways around this these days and it is less of a concern, but there is still some upper limit as to the number of individual streams you can pull off one dish.


They redesigned the dishes to fix this, but back in the day they ran out of space on one of their satellites and pushed HD off to a new one.  If you had service before then or purchased the old style dish you had to add an extra one and join the signals together or purchase the new style dish (which were actually relatively expensive at the time) to hit both sats.  It wasn't uncommon to have multiple dishes around that time.  At least that is how I remember it, that was probably in the late 90's early 00's.
 
2013-06-14 08:33:59 AM  

d23: wow.  Every time we have a thread like this we see how degraded the U.S. has become.

Corporation Uber Alles!!


2/10
 
2013-06-14 08:36:30 AM  

Mr. Coffee Nerves: Slightly off-topic, but doesn't it seem like most of the personal satellite dishes are attached to mobile homes and cheap apartments? Maybe it's just me. I rarely see the things in newer developments but when I drive through town some of the older houses chopped up in to Section 8 apartments have so many dishes it looks like a branch office for SETI.


I think it's the density of those places that make you notice.  More dishes/sq foot.
 
2013-06-14 08:38:12 AM  
The Muthaship:
Push the coffee cup away.

24.media.tumblr.com
 
2013-06-14 08:40:11 AM  

The Muthaship: rufus-t-firefly: Securitywyrm: Exactly. Yeah it sucks that something bad happened to you, but you rented the dish from them. That's how it works.

But when you move, DirecTV tells you to just leave the dish behind and they send you another one.

It's been mentioned, but since it's not sinking in:

They told him he would owe $400 for a satellite dish and two receivers destroyed in the blaze.


The misleading promo pricing with trial period massive increases keeps me a non-subscriber.

DefecTV cannot get a former customer to pay for a installer to go to a building, remove the dish and fix where the mounting hardware was placed in order to prevent rain from entering the property. It is easier and cheaper to leave the dish in place. The receivers are another matter. Box it up and ship it to the address given and get a receipt. Isn't a mandatory payment for box rental cover loss of equipment or is that just another backdoor rate increase? Just my two pence worth.
 
d23 [TotalFark]
2013-06-14 08:41:13 AM  

Babwa Wawa: d23: wow.  Every time we have a thread like this we see how degraded the U.S. has become.

Corporation Uber Alles!!

2/10


well damn me to hell for thinking that basic humanity and common sense should trump a contract!  Whoo wee!

Contracts must descend from heaven from L. Ron Hubbard on titanium plates.  Unless the Corporation reneges, of course, and that's AOK.  It's business... nothing personal.

Let me grade myself: 1/10.
 
2013-06-14 08:42:32 AM  
What exactly am I supposed to be upset about here?
 
2013-06-14 08:42:33 AM  
Directv sucks. He should get Dish network.
 
2013-06-14 08:42:53 AM  

Babwa Wawa: Mr. Coffee Nerves: Slightly off-topic, but doesn't it seem like most of the personal satellite dishes are attached to mobile homes and cheap apartments? Maybe it's just me. I rarely see the things in newer developments but when I drive through town some of the older houses chopped up in to Section 8 apartments have so many dishes it looks like a branch office for SETI.

I think it's the density of those places that make you notice.  More dishes/sq foot.


Newer developments typically attract the underground cable providers such as AT&T, TimeWarner, etc at the time of construction and coordinated with power companies, gas, etc.  We build neighborhoods and there are two types of utility contractors required.  Water and sewer (Wet) and dry utilities (Electric, gas, communications).  Mobile home parks and single mobile homes typically don't have gas, either and the power is overhead almost 100% of the time.  This is the cheapest way to do it. Cable providers don't have the incentive to permanently install the lines to sparsely populated areas for customers who are so financially insecure they can't afford to pay for a house that doesn't have tires holding down the roof.
 
2013-06-14 08:43:59 AM  

Alonjar: tbhouston: Koodz: At least they let him cancel.  I remember Verizon charging me $200 to cancel my father's cell phone even after I brought them a copy of the death certificate.

I'm guessing there is more to this story.. Was the account wasn't in his name was it?

When somebody dies, their estate still owes the money for any outstanding debts or contracts.  Creditors get first dibs at any inheritance.  Its up to the person managing the estate to get the funds from the deceased's account to where it belongs.  So essentially, its up to the child to pay the bill  using money from the inheritance.

If no inheritance exists or was exhausted by other creditors, then the person owed the debt is shiat out of luck.  Usually there is  something though, whether its life insurance or whatever.


They can't touch the life insurance.  I just went through this with my wife's father's passing.  The estate is essentially the bank accounts, the house or any other asset.
 
2013-06-14 08:47:52 AM  
This is not the first time locals hit by wildfires have found DirectTV less than sympathetic. During the Waldo Canyon fire in June 2012, when 347 homes in Mountain Shadows were destroyed, DirectTV also charged customers.

Beach said DirectTV told him to get his insurance to pay.


If you live in an area where there are potential wildfires do you have to pay extra insurance for specific wildfire coverage? Like the people in New Jersey who had storm coverage but not surge damage and all the insurance companies said "Surge Damage! You no get nuttin'"
 
2013-06-14 08:49:04 AM  

TimonC346: The only reason I call shenanigans: there were 3 DirectTv dishes attached to my roof when my wife andi bought our house, farking 3. I have no idea why 3 would be needed, but they were there.


If it's anything like DISH, they have more than one orbit where their satellites are.  To get channels offered by both satellite constellations, you need multiple dishes.  For DISH, the majority of the channels were in one direction, but for my local HD channels a dish had to be pointed in a different direction.

So, I had two dishes.  I would imagine the same holds true for DirectTV
 
2013-06-14 08:50:11 AM  
I pay Dish $7 a month for equipment insurance.

Don't say it's a waste of money, because our house got hit by lightning 2 weeks ago and fried the receiver.

Dish sent it out by fedex 2 day delivery, with a return label for the fried one. No muss, no fuss.

/once you're off contract, cancel the insurance and tell them to pound sand if they want to charge you for a new one, that if they don't send you a new one free, you'll just get one from directtv.
 
2013-06-14 08:50:20 AM  
I just looked up some used dvr receivers on ebay. $400 for two of them seems about right.
 
2013-06-14 08:50:26 AM  
d23


Stop making sense. You'd better get with the program citizen. Bow down before your corporate betters.   DirecTV is your friend. How do you ever expect the poors to learn personal responsibility and boot-strappiness? After all, fires are an act of God.
 
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