So yesterday at my employment I was working and two members were meeting with this person I talked about in a previous blog. He was talking to them about this dealership that went out of business but sold the car that they traded in to the dealership but never paid off their loan. Whenever a person trades a car into a dealership that dealership has to pay off that loan by law. Well this dealership didn't pay off these people loan and sold their car on top of that. So the members came to us for help because they are still making their payments on the loan in order to not hurt their credit. They wanted to know if we would go repo the car for them and this person who works here said he wouldn't because he had no reason to and that he couldn't. I just sat at my desk listening to him telling them this and was in utter confusion and quite honestly I was pissed off. We have every right to repo the car! I checked our security agreement and everything to double check myself but of course this person told them over and over that we weren't going to repo it and its their problem. To me that is just bad juju. So after the people left I turned and asked him if he knew that he just straight out lied to those people. He got all defensive and said that he didn't want to get in the middle of the people and this dealership. I told him we needed to protect the Credit Union. He just kinda blew me off and ignored me. Thats fine I told him and whatever he wants to do is fine. Well this certain car dealer also has an account with us so I checked to see the status of the account. It had been negative a large amount of money since April but the Credit Card and HELOC were never closed or blocked. So these people owe us a ton of money but the dishonest person working here didn't bother to do anything about it. This car dealer has been using his credit card for everything and anything he could...racking up the balance. Well come to find out this dishonest person and this car dealer have been talking and have a common hatred for an auto auction here in Utah. They have come buddy buddy and the guy working here always says that the dealer is going to pay off these loans. I know there is no way this guy can pay these loans and he is being investigated by the Utah District Attorney. So this dealership is going under hard core and the owner will be facing criminal charges. But yeah this guy working here doesn't want to get in the middle. Sometimes I really think he is scared of people and confrontation.
Its gets a little better at the fact that the person working here also owns his own used car dealership. Oh yeah he does most of his work for that here in this office. Pretty creative because it makes it look like he is working and he delegates out all the other work. My favorite part is has asked me to do all the attorney cases, small claims, charge offs, bankruptcy, calling on accounts, and much more. So really he doesn't do much as it is...I do and the other employees handle the rest. Thats pretty interesting...makes me wonder what he really does? I'm by no means perfect but I think you should always be honest in everything you do.
"Moral conduct includes every thing in which men are active and for which they are accountable. They are active in their desires, their affections, their designs, their intentions, and in every thing they say and do of choice; and for all these things they are accountable to God"
-Nathaniel Emmons
Tuesday, June 30, 2009
Monday, June 29, 2009
Crestwood was built over an Indian burial...
Alright so I have a theory that the Crestwood apartments were built over an Indian burial ground. The place is freaking demonic and possessed. It seems all happy and secure but really its all a lie!
Here is what I think it all went down. First lets begin with the management. If you haven't dealt with the management yet...well they are Nazis. They will come up with things to charge you for that make no sense at all but if you argue with them they will some how convince you its your fault and you leave feeling confused and pissed. You don't understand how its your fault these charges are coming through but sure enough they make you pay for it. I think they really died long ago but their spirits have never left and they just been working for the Crestwood the entire time. The real owners of Crestwood are bewitched by the management staff to keep letting them work there even though they have been there forever. Basically bottom line they are evil and some place in the office is the true gate way to hell.
Next is some of the residence. I'm convinced there is a guy living in Crestwood that really died back in 1984 but he still haunts the grounds. For the safety of everyone we will just call him Funk. This spirit haunts the grounds and stalks poor helpless women. He thinks them as his girlfriend whom he must of lost around the same time he died but since his spirit has been unable to move on, well it haunts the grounds looking for her. I have personally seen him wondering the complex really really late at night. Luckily he is a happy spirit just looking for his girlfriend. Not to be afraid...unless you are female...then the stalking might get scary.
Lastly I believe that their are just flat out demonic spirits possessing the residence of the Crestwood. These evil spirits go around and take over people and make them do crazy crazy things. The evil spirits will make the person they possess to ruin relationship, create unnecessary drama, attempt self infliction, and just be down right a freaking prick. I don't understand where these spirits have come from but I can only imagine they have come from the gateway to hell in the main office. If you try to challenge one of these spirits be prepared for crazy attacks and nonsense that is uncontrolled. You can't explain what will happen but it will scare you to death. Maybe the spirits want to scare you to death so that you may join their ranks but you must stay strong!
Oh and I almost forgot...ZOMBIES! Yes the Crestwood has Zombies! Not the Zombies you see in movies but rather zombies that suck the life out of you slowly. They will make you feel miserable and tired and all happiness will leave you. They act like the dementors from Harry Potter! If a person comes in contact with you and all happiness leaves...my only suggestion is to run. They look like real people but can't be trusted!
Good luck to you all and be safe while near the Crestwood apartments!
Here is what I think it all went down. First lets begin with the management. If you haven't dealt with the management yet...well they are Nazis. They will come up with things to charge you for that make no sense at all but if you argue with them they will some how convince you its your fault and you leave feeling confused and pissed. You don't understand how its your fault these charges are coming through but sure enough they make you pay for it. I think they really died long ago but their spirits have never left and they just been working for the Crestwood the entire time. The real owners of Crestwood are bewitched by the management staff to keep letting them work there even though they have been there forever. Basically bottom line they are evil and some place in the office is the true gate way to hell.
Next is some of the residence. I'm convinced there is a guy living in Crestwood that really died back in 1984 but he still haunts the grounds. For the safety of everyone we will just call him Funk. This spirit haunts the grounds and stalks poor helpless women. He thinks them as his girlfriend whom he must of lost around the same time he died but since his spirit has been unable to move on, well it haunts the grounds looking for her. I have personally seen him wondering the complex really really late at night. Luckily he is a happy spirit just looking for his girlfriend. Not to be afraid...unless you are female...then the stalking might get scary.
Lastly I believe that their are just flat out demonic spirits possessing the residence of the Crestwood. These evil spirits go around and take over people and make them do crazy crazy things. The evil spirits will make the person they possess to ruin relationship, create unnecessary drama, attempt self infliction, and just be down right a freaking prick. I don't understand where these spirits have come from but I can only imagine they have come from the gateway to hell in the main office. If you try to challenge one of these spirits be prepared for crazy attacks and nonsense that is uncontrolled. You can't explain what will happen but it will scare you to death. Maybe the spirits want to scare you to death so that you may join their ranks but you must stay strong!
Oh and I almost forgot...ZOMBIES! Yes the Crestwood has Zombies! Not the Zombies you see in movies but rather zombies that suck the life out of you slowly. They will make you feel miserable and tired and all happiness will leave you. They act like the dementors from Harry Potter! If a person comes in contact with you and all happiness leaves...my only suggestion is to run. They look like real people but can't be trusted!
Good luck to you all and be safe while near the Crestwood apartments!
Tuesday, June 23, 2009
Summer and the outdoors
Well now that June has come and gone its time to get my butt out and go camping! Time to take time to be in the outdoors and enjoy life! Something about going out and camping is just so nice and relaxing. Camping lets you be out in the quite wilderness and clear my mind. The second week in July and the last weekend in July i'm planning on camping and getting the hell outta here for a bit! I can't wait for my phone to lose reception and just enjoy peace. I know no one will be around other than close friends and nature. So don't be surprised if my phone is off for long periods of time!
Saturday, June 13, 2009
Dishonesty in the work place
So I work at a Credit Union in the Collections department. Once upon a time I was the only manager of the department. Then I decided to try a different aspect of life and joined the LA County Sheriffs department. Had some a series of things happen and experiences and learning that I decided to hold off on that part of my life. So, I decided to go back to school and shoot for the FBI. I came back to work at the Credit Union in the Collections Department. They had replaced me with another guy and then put me back in as well do be my own supervisor and really kinda my own department handling different aspects of Collections.
When I was the Collections Manager I was always honest and straight forward in everything I did. If I told someone what they needed to do in order to clear their late account then that is what they needed to do and stuck to that and never changed it. When someone came to me and made an arrangement with me, i never changed the arrangement without first talking to them. I never lied. I never stole. I never cheated anyone. I like to think I ran my office very honestly and my employees ran things honestly.
The new manager that works in the office I have come to learn does not have the same work ethics that I have. For example he spoke with a lady who said she was trying to sell her car and get us paid off. She said she was in a hard circumstance and was going to work through it with us. To me it sounded great and the new manager was the one of the phone with her. He told her that he had no desire to repo her car and wanted to work with her. He obtained her address and phone numbers, then once the phone call was over he sent a repo agent to pick up the car. The people called back very furious that he had repo'd the car even when he promised he would not. Then when he got in trouble for this instance from our President of the Credit Union he turned the blame on one of the employees, that employee had nothing to do with it but yet he was blamed for it by his superior. Other times we had people calling in saying that this certain manager threatened them or made claims that were false or just straight up lied to them.
One day this manager sat with me and another employee (who is a personal friend) and told us that we were getting to comfortable and we were not working. I didn't say anything but looked at him with what must have been a very disgusted look because he quickly changed the subject.
Then today I'm working and researching some accounts that we had charged off only to find that he has been taking sale proceeds from accounts before they were charged off and reapplying them to the loans after they were charged off so that they will look like its recovery. So in short without getting into anything confusing...he is taking money that's already there, deleting it, and putting it back on there so it makes him look better. By doing this it looks like the amount charged off is much less than the amount we have obtained in recovery in turn making him look like he is doing good BUT if you look at it from what i've found...he is actually not changing anything other than padding the numbers a little bit.
Also, as I have done my research today I have found accounts that are just not being collected on and no repo orders are being issued. The collection policy is being taken spastic at best and no two people are getting the same treatment from him. I believe if you are going to do something for one person then every person is entitled to be treated in the same manner.
Now I have the dilemma on what I should do. I have come across things that to me seem dishonest and not a way to run a office. In my feelings I feel bad about it and it stresses me out. I don't really know who to talk to about it because I don't know how is turning a blind eye to such a thing. My current plan is to talk to my boss, President of the Credit Union, and explain to him what is happening and leave it up to him to do something.
Oh yeah did I mention that we have been sued more times with him in the few months he has been here than ever in the 50 years the Credit Union has been open? Oh yeah that's another wonderfully true statement.
Unforturnatly not the entire world likes to see things as working honest in their dealings with their fellow men. I will not be one that turns a blind eye to dishonesty or cheating. Turning a blind eye would mean that I'm okay with that type of behavior and I am not okay with it.
When I was the Collections Manager I was always honest and straight forward in everything I did. If I told someone what they needed to do in order to clear their late account then that is what they needed to do and stuck to that and never changed it. When someone came to me and made an arrangement with me, i never changed the arrangement without first talking to them. I never lied. I never stole. I never cheated anyone. I like to think I ran my office very honestly and my employees ran things honestly.
The new manager that works in the office I have come to learn does not have the same work ethics that I have. For example he spoke with a lady who said she was trying to sell her car and get us paid off. She said she was in a hard circumstance and was going to work through it with us. To me it sounded great and the new manager was the one of the phone with her. He told her that he had no desire to repo her car and wanted to work with her. He obtained her address and phone numbers, then once the phone call was over he sent a repo agent to pick up the car. The people called back very furious that he had repo'd the car even when he promised he would not. Then when he got in trouble for this instance from our President of the Credit Union he turned the blame on one of the employees, that employee had nothing to do with it but yet he was blamed for it by his superior. Other times we had people calling in saying that this certain manager threatened them or made claims that were false or just straight up lied to them.
One day this manager sat with me and another employee (who is a personal friend) and told us that we were getting to comfortable and we were not working. I didn't say anything but looked at him with what must have been a very disgusted look because he quickly changed the subject.
Then today I'm working and researching some accounts that we had charged off only to find that he has been taking sale proceeds from accounts before they were charged off and reapplying them to the loans after they were charged off so that they will look like its recovery. So in short without getting into anything confusing...he is taking money that's already there, deleting it, and putting it back on there so it makes him look better. By doing this it looks like the amount charged off is much less than the amount we have obtained in recovery in turn making him look like he is doing good BUT if you look at it from what i've found...he is actually not changing anything other than padding the numbers a little bit.
Also, as I have done my research today I have found accounts that are just not being collected on and no repo orders are being issued. The collection policy is being taken spastic at best and no two people are getting the same treatment from him. I believe if you are going to do something for one person then every person is entitled to be treated in the same manner.
Now I have the dilemma on what I should do. I have come across things that to me seem dishonest and not a way to run a office. In my feelings I feel bad about it and it stresses me out. I don't really know who to talk to about it because I don't know how is turning a blind eye to such a thing. My current plan is to talk to my boss, President of the Credit Union, and explain to him what is happening and leave it up to him to do something.
Oh yeah did I mention that we have been sued more times with him in the few months he has been here than ever in the 50 years the Credit Union has been open? Oh yeah that's another wonderfully true statement.
Unforturnatly not the entire world likes to see things as working honest in their dealings with their fellow men. I will not be one that turns a blind eye to dishonesty or cheating. Turning a blind eye would mean that I'm okay with that type of behavior and I am not okay with it.
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