Palpable. Hangs in the air like an unclaimed fart. You can smellit, see it in the denials. Casey has run out of ideas. And that's what he is; an idea man. The Hudsucker Proxy comes to mind. Several Adam Ant songs come to mind. About a zillion "Far Side" cartoons come to mind. What say you all are we in the end game? Finally? I say a few more days of increasingly wild schemes all for naught followed by a farewell set of posts and lastly "on advise of counsel..."
128 comments:
;) first
Rob Dawg,
I'll bet you lunch Burdett goes up in flames and the sqautter gets blamed.
Only an idiot would do something so obvious...
then again it's Casey, yep, Burdett is going up in flames.
The "coincidence" of him discovering the lender has purchased insurance and the yard getting mysteriously cleaned and all is mighty suspicious. At first I didn't think the little weasel had it in him to torch the place but in Caseyworld™ a place with insurance is "covered." Bet he looks good in orange. The real sh!t would be if he actually does it and about a half dozen law enforcement agencies have to admit they had enough on him for an arrest but didn't.
I'm certain the insurance company would deny the claim instantly.
Non-payment is reason enough for those guys.
It's a wonder he is still trying. The boy gives up on anything that becomes even the slightest bit difficult. If he has an opportunity to shed a responsibility or commitment, you'd think he'd be jumping ship at the first sign of condensate on the porthole. It's his way.
Having always kept my insurance up to date, whether or not it was required by a lender, I don't know this: When a lender takes out a policy on a property (car or house) because the lendee has not done so -- in whose name is the policy? It seems to me it would be in the lender's name, not the lendees.
If so, Casey will never see a dirty penny. AND arson is something taken more seriously than mere "everyone was doing it" mortgage fraud.
I don't know how things are done in the US, but I once did admin for a London firm of forensic scientists specializing in the causes of fires.
And much of the time was spent typing up reports for insurance companies that essentially said "This property was torched deliberately".
(They couldn't say "Don't pay up!", as their job was purely to report the facts - but they might as well have done).
@ savloah
its for the benefit of both the lender and debtor..... at least in Florida and Alabama, but its hazrd only...meaning fire, storm and I guess earthquake. How does earthquake insurance work, is it like hurricane/wind storm in Florida a separate coverage category?
I bet it burns.
We used to represent a large hazard insurer, funny how foreclosure suits tend to cause fires. Every arson investigation had some money problems in the background.
Its easy to prove arson, but hard to prove who did the arson.
Several people suggested to Casey on IAFF to burn the house.
Does Casey have any untapped gasoline credit cards lying around?
I really can't see Casey giving up the blog any time soon. I think it probably upsets him that the "haters" are posting elsewhere and I believe his blog topics may get more and more outrageous as he tries to incite people to reply, but IAFF is the reason he got the small amount of notoriety that he's received thus far and I don't think he'd want to give that up any time soon.
I just wish he'd post something truly transparent and important. These fluffy flame-bait posts are pretty pathetic.
I feel badly for the kid because in the end, I beleive he'll be left with nothing but his greed and maybe a few lingering pipe dreams and for real, I find that very sad.
savloah said...
Having always kept my insurance up to date, whether or not it was required by a lender, I don't know this: When a lender takes out a policy on a property (car or house) because the lendee has not done so -- in whose name is the policy? It seems to me it would be in the lender's name, not the lendees.
I've worked in the mortgage industry (post-originations). When a lender has to force-place insurance on a property, the insurance is to protect the lenders interests only.
If Casey does torch the place, not only will he not get a single penny from the insurance company, but he will still be liable for his loan.
I say Homey should go spray some fire-retardant on the house just to foil Casey-poo's plans in advance.
oh and to focus on Rob Dawg's question:
April 15, Casey's up. Utah unwraps and everything else is foreclosed by then (and/or burnt to the ground) and taxes due.
sav and hobbes:
It would be Casey as insured and Lender as Loss Payee.
and Yes, Earthquake Insurance is seperate and is not required. Depending on if the home is in a "flood zone", flood might be required (which is also seperate).
-magyar lany
12:32 Anon
"If Casey does torch the place, not only will he not get a single penny from the insurance company, but he will still be liable for his loan."
Remember, this is Caseyworld (TM). If Casey signed a 50K note with Countrywide to get a short sale done, and the short sale doesn't happen, then Casey obviously isn't liable for the note. The actual language of the note is irrelevant.
Likewise, if one or more of his houses mysteriously burns down, and the lender's interests are insured, then obviously Casey doesn't owe any money, since the insurance company should pay the lender. Again, it doesn't matter what the actual terms of the agreements Casey signed are.
1. Yes, put me down as another better on "Burdett Burns To The Ground; Owner Fiddles." I say the place gets torched by March 12th. (I dunno why, I just like the date.)
2. Apropos of nothing, while browsing through topsecretrecipes.com, I found that they have the recipe for Jamba Juice smoothies for a mere 79 cents. Something tells me that our intrepid hero couldn't be bothered to shove fruit and ice in a blender if his pathetic life depended on it, though.
Please people, let's be realistic!
The place will not be torched. Do you have any idea how much effort is required to forego a nap, drive out to the place, buy gasoline (after finding a suitable container), splash it around and actually light a match. This is urgent, so it will certainly be put off until next day/week/month/year.
Northern Renter
Not to mention the effort to appear shocked and horrified. Mr. Deadpan never emotes.
::in monotone, ragged voice, with dreary eyes and scruffy hair::
"What? Burned down? How can it be?" ::rubs face with hand and then through hair:: "What am I going to do.?.."
So a lot of you are betting that Casey is really so stupid as to believe an insurance fire would absolve him of debt?
Fire/hazard insurance covers the structure, not the underlying land. In general, you can see perhaps 70-75% of the total price insured that way, so a total building loss still won't pay off the loan if it's 100% financing.
'twould be interesting to see what the actual insured value is. One thing for almost sure: Casey would be left with paying the rest of the mortgage. not to mention the penalties and fees stacking up now.
(For parallels, see what happened to Katrina people whose insurance paid out only PART of their mortgage, leaving them still paying monthly nut on their debris-covered lot.)
Admittedly, Casey's done some dumber-than-a-cucumber things than this would be, but this actually requires stealth, planning, foresight... and unlike getting caught lying on a loan, getting caught torching a house is sure-thing prison time.
My vote is that no fire will happen. I hope I'm right, at least for idiot-boy's sake.
Endgame? This whole sordid tale has been endgame. But you are right, Casey is limping towards the real end of the story. Perhaps harsh realities are beginning to present themselves to him. He has already got a foreclosure on his wife's credit. He has met his guru and has been found lacking. He has shown the world his $40 juice purchases. We have seen his $400 PDA. Opportunity (AdSense, sponsorship deal) comes and then opportunity goes. His God has not seen fit to save him. There is nothing left for Casey but holing up in the rented room to wait while the clock on the wall ticks what is left of his time away.
I have always seen this as endgame. I have just been enjoying the show as Casey scrambles here and there, hither and yon, searching for some escape while the walls close in around him.
I know our FFF lurks here so...Casey, read this...
http://money.cnn.com/2007/02/08/real_estate/corey/index.htm?postversion=2007020815
the key is take it slowly (ie. one at a time) and be "hands on" not trying to outsource opening mail or paying bills.
Good God, I can't wait until they lock your scrawny @ss up.
So a lot of you are betting that Casey is really so stupid as to believe an insurance fire would absolve him of debt?
Who here has ever caught themselves saying; "Casey is smarter than I thought?" Me, I'm constantly revising downward and feel like I'm losing ground at that.
I will also add that if the neighbor is as attentive as Casey seems to imply, I cannot IMAGINE him over their burning it down.
I don't think he's smart enough to rig the place to burn down and if he finds someone, he'd be risking that person getting caught and brining him down.
He's screwed.
First of all I am probably as lazy as Casey it would seem, as I am not being bothered with a logon. :(
Second of all, does anyone see the guy in the blue car will be Casey in a white jeta in a few months claiming to be bird dogging?
The guy actually mowing the lawn, I guess our hero has experience taking out the trash, maybe he can be trained? Nah...
I find this latest in the Casey saga as a bit of forshadowing. I can't help but laugh.
And what the hell as he been doing? What is this guys fasination of houses without garages? Who is the realtor? Do you think the squater has a PDA and reads Casey's blog, and is moving ot the next house?
And finally the dozen or so calls must have completely over taxed our hero explaining the slow turn around of comments.
All you can do is laugh.
IAFF endpoint datapoint: CashCall ("a pretty smart lender") just noticed that they're not getting paid any more...
HOMELESS GUY: NO DEAL!!!
OMFG! This is "Farnham's Freehold" or "Back to the Future" in reverse! The crazy old dude in the car is Casey from the future trying desperately to change his past. The car in his timeline is like 40 years old and he's been hanging at the one address he can remember after all those years of "injections" in prison. He parks in the driveway because in his mind it is still "his" house. He wants to stop "Young Casey" from making all the mistakes he did but one look at the vacant expression he gives up knowing a lost cause when he sees one.
CASHCALL: NO DEAL!!!
Casey Wrote:
"I borrowed this money to pay for Burdett repairs a year ago, when I was getting it ready to lease out. The money went to completely remodel the kitchen, clean the carpets, fresh paint inside and out and other stuff.
So no more drafts for CashCall until I figure out my debt situation and find a way to pay them back (or settle). I will try to call them soon to see what can be worked out."
Just hope that squatter hasn't undone the repairs that loan paid for. That would suck.
And 'call them soon'. What's soon? April? When they're kicking down your door? Just put that on the backburner too Casey... The pile back there is getting bigger and bigger.
What a f*cking idiot.
Stephanie J. said...
"And 'call them soon'. What's soon? April? When they're kicking down your door? Just put that on the backburner too Casey... The pile back there is getting bigger and bigger."
Maybe he thought Wells Fargo would kindly pay Cash Call with the $1k they "stole" from him?
LOL
The assclown states that he is grateful to "only" be paying 18% on the 10k - yet his spreadsheet says the rate is 24% - who is he trying to kid?
And if that little bit about Wells Fargo "stealing" his money wasn't meant as bait I'll eat his little condom hat.
So, he's going to pay back Cashcall when he gets around to it. Based on their reputation, this should be interesting.
I shall be there with lawn chairs and popcorn.
Nice catch mel.
I think the spreadsheet is correct and the post is slippery -- the missed payment of $220.48 is consistent with a 120-payment $10K loan at 24%.
(CashCall rates: at least he didn't get it at 44%, eh? Sweet.)
Hey, Casey has dicked with the posts again, this time at the HOMELESS DUDE entry. His answer has hopped from post #24 to post #39. I guess that means he stuck a bunch of posts in between his and #23.
(X-posted to IAFF.com)
"I’m am happy to be only paying 18% on my 10 grand that I borrowed, so that’s kind of nice compared to how high it can go. "
He isn't paying 18% anymore.
Once a Cashcall loan is listed as past due the interest rate resets to the default APR. IIRC that's right near 44% per annum.
Check the backside of the loan contract.
@T
Oh, yeah, I really enjoyed that post about WF 'stealing' money from him. I think that's when I made the comment about his strapping a cross onto his back and dragging it around the room because he was being such a martyr.
Our little 'victim' needs a wake-up call. Like a nasty end of a titanium driver.
Hey, Casey has dicked with the posts again, this time at the HOMELESS DUDE entry. His answer has hopped from post #24 to post #39. I guess that means he stuck a bunch of posts in between his and #23.
OMG!! ITS A SEKRUT ILLUMINATI CONSIPRACY!!!
Or actually, its just that Casey moderated part of the comments, answered a question, then left for a while, came back, and finished moderating the rest (old comments appearing before his answer because they have an older timestamp).
Naw, its the Illuminati.
@Isamu
I dunno.. am I getting a little sarcasm in your tone? I mean I could be wrong, but I'm just getting a little sarcasm. You're SO subtle.
[shaking head]
Isamu, I fear your sympathies may lie with slacker Casey. Perhaps you should rethink your alliances. No matter how deliciously attractive you find him, he's bound to hurt you. You've come to mean far too much to us here at EN. Don't force us to watch your pain.
Ogg The Caveman said...
"So, he's going to pay back Cashcall when he gets around to it. Based on their reputation, this should be interesting."
What can Cash Call really do, tho, Ogg? I mean, you can't squeeze blood from a turnip, you know?
That's probably part of the reason the kid won't work because they can't garnish his pay if he has none.
Isamu, I fear your sympathies may lie with slacker Casey.
Cause anyone who doesn't think that every single thing Casey does on IAFF has some heinous, ulterior motive is obviously part of the Casey Conspiracy.
Did you know that Local Rich Dad (33rd degree, Scottish Rite) inducted Casey into Freemasonry?
@T
So what's he going to do just not work for the rest of his life? Actually, he's already been doing that for one year and counting....never mind.....
re:
>>Did you know that Local Rich Dad (33rd degree, Scottish Rite) inducted Casey into Freemasonry?<<
Shhh. All jokes aside, it is possible to say too much.
Has anyone sent CashCall a note with a print out of the blog entry where Casey states he KNEW CashCall would be SOL when the payment tried to post?
And followed it up with a listing of his current home address, phone number, and the information of several close relatives? I have a feeling CashCall would really appreciate having that info.
Casey is too lazy to make it through to become a 33rd degree mason.
It would be like when Homer joined the stonecutters.
I call Bull f-n sheet on this. This freaking idiot with his 450 or less credit did NOT get an 18% loan from the folks at Cashcall. THEY ARE NOT A SUBPRIME LENDER IN THE SENSE OF SAY HSBC OR CAPONE!!!!!
He lies so badly. If he posted what the real interest rate was, it would be most likely closer to 50%. 18% is for people with GOOD CREDIT if they needed to use Cashcall to begin with.
They give the loan in an installment note. My friend has used them many times and he showed me the deal. He borrows 5500 or so from them at an annual interest rate of 40something percent. If he pays JUST the minimum, it would take 11 years to pay off and equate to 89% interest.
If he had a fico of 750 or so, I might believe him...but then again if he had that kind of fico he wouldn't need Cashcall since there would be many other lenders lining up to give him credit.
What a liar. I guess he didn't want us trashing him for taking a 50% interest loan or something.
T:
Cashcall will hound him, they will harass him until they get their money.
We are talking many calls daily. Threats and calls to any family he may have unfortunately included as "references."
These subprime lenders are famous for their collection techniques. THey don't care if they call him 100 times a day. They will do what is necessary to collect their money WITH interest.
I don't know this first hand as my friend has always paid off Cashcall early but from what I've read on the Internet, if you duck out on them they will harass and harangue you til you unplug all phones.
I will even bet they never charge off the debt as well. If he changes his phone number and tells a lender, they will post it to his credit report. Cash call will run his credit every month, thus hurting his scores. These people are ruthless.
I sure as hell wouldn't get on their bad side.
When I told my friend about Casey's new post, he laughed and told me that he surely would NEVER want to be on their bad side.
I'm gonna beat a dead horse here.
From Rip Off Report...the people quoted below sound like responsible people. They aren't complaining about being harassed by their collections, but the interest:
Company
Cash Call
Address:
17360 Brookhurst Street
Fountain Valley California 92708
U.S.A.
Phone Number:
866-590-2274
Fax:
My wife and I were getting married in Feb. 2006. We needed extra money to pay for the wedding and honeymoon.
We saw the ad for Cash Call on T.V. and called the number. I spoke in great length with the loan agent. Getting all the information took 2 days. At no time did the loan officer indicate what the terms of the loan were or the payback requirements
We asked them at least four times to send us the loan documents so we would have paperwork for our files. We never received them until just recently. That was when we found out what we were into. They are charging us 59% interest for 120 months. We have been paying them for 11 months and we have not even touched the principal, all we have been paying is interest. This cannot be fair or ethical.
I am not trying to get out of the loan, I would be willing to continue to pay them the balance of the principal minus what we have already paid them. We would have them back their $5,000.00 in about nine months.
I understand that you should read things before you sign them, but I had went over so much info with the loan officer that I figured that everything was on the table. He never made it a point to tell me to make sure that I read the terms and agreement page before signing.
Their business practices are so unfair that I am surprised that the State of California Attourney Generals office allows them to remain in business.
James
yucca valley, California
U.S.A.
Isn't cash call just one step below 'Vinnie's Loan Agency' when it comes to collection methods.
More proof:
Casey is either stupid, was mislead (I doubt it) or is lying to us:
electrician
New Member
electrician is offline
Join Date: Jan 2007
Posts: 1
electrician is an unknown quantity at this point
mislead by Cash Call Inc.
Hello, I am currently a client of a company called Cash Call.I believe that my wife and I were purposely mislead and not told everything by the Cash Call loan officer.We took out a $5,000.00 loan back in January of 2006.After repeated attempts to obtain our physical loan papers(the loan was set up entirely over the phone with the exception of the e-signature) we finally received them about two weeks ago.To our disbelief we found out that the loan is for 120 months at 59% interest.This was never disclosed to me by the loan officer.When I asked the people at Cash Call to explain this to me because I didn't realize the terms,they just told me that you signed the loan agreement your are bound by the terms.I foolishly assumed that the signing of the e-signature was just a formality as the loan officer had set up everything else.The loan officer never told me to make sure that I read the loan terms before I signed it.I do realize that this is my fault for not reading something before I signed it.The original loan amount was for $5,075.00 and after paying $250.31 for the last 11 months we still owe them $5,230.00.This type of interest loan isn't right.To date we have paid them $2,969.00.I am going to try to contact them to see if they will sign off on the loan if I continue to make the $250.31 payments for the next 9 months which will total $2,252.79.This would mean that they will get back the amount that they loaned us to the amount of $5,221.79.I know that this is not how these companies make their money,but I am not sure that I will be able to keep up the payments past the 9 months.At least they would get back the amount that they lent us.
Could someone please tell me if they have ever dealt with Cash Call and if you think that they would accept the above terms.Thank You
"I understand that you should read things before you sign them, but I had went over so much info with the loan officer that I figured that everything was on the table. He never made it a point to tell me to make sure that I read the terms and agreement page before signing."
You know Dolph, I got a big heart but some people are as dumb as a brick. Why would you rely on a stranger to do your due diligence? Who would sign for a loan without reading the terms of the agreement? Oh yeah, our hero.
Anon:
Read this from a person who tried to ditch out on CC:
electrician
New Member
electrician is offline
Join Date: Jan 2007
Posts: 1
electrician is an unknown quantity at this point
mislead by Cash Call Inc.
Hello, I am currently a client of a company called Cash Call.I believe that my wife and I were purposely mislead and not told everything by the Cash Call loan officer.We took out a $5,000.00 loan back in January of 2006.After repeated attempts to obtain our physical loan papers(the loan was set up entirely over the phone with the exception of the e-signature) we finally received them about two weeks ago.To our disbelief we found out that the loan is for 120 months at 59% interest.This was never disclosed to me by the loan officer.When I asked the people at Cash Call to explain this to me because I didn't realize the terms,they just told me that you signed the loan agreement your are bound by the terms.I foolishly assumed that the signing of the e-signature was just a formality as the loan officer had set up everything else.The loan officer never told me to make sure that I read the loan terms before I signed it.I do realize that this is my fault for not reading something before I signed it.The original loan amount was for $5,075.00 and after paying $250.31 for the last 11 months we still owe them $5,230.00.This type of interest loan isn't right.To date we have paid them $2,969.00.I am going to try to contact them to see if they will sign off on the loan if I continue to make the $250.31 payments for the next 9 months which will total $2,252.79.This would mean that they will get back the amount that they loaned us to the amount of $5,221.79.I know that this is not how these companies make their money,but I am not sure that I will be able to keep up the payments past the 9 months.At least they would get back the amount that they lent us.
Could someone please tell me if they have ever dealt with Cash Call and if you think that they would accept the above terms.Thank You
--------------------------------------
It seems everyone has a solution, but no one has any information on how we can get these leeches off of us. I am a cashcall customer, and I too, have been stalked, harrassed and treated unfairly.
I am not by any means trying to get out of my financial obligation, I would just like a way to pay my bill, mins the threats, calls and horrible feeling that I am "less than." For all the cashcall customers going through, keep your head up, something is bound to come through.
To all the people who are judging us and making us feel as if we are idiots, Life happens... I just hope it never happens to you...
Kenji - Los Angeles, California
U.S.A.
----------------------------------------
Agreed, Mel. I have issues with anybody who signs a loan without understanding the good and bad.
I've done the payday loan thing when I was unemployed a long time ago. I never got mad as I knew what I was signing everytime I used them.
Here is a detailed description and advice on what Cash call is about:
Simply Stated, CASH CALL and their affiliates claim to cater loans to people with "less than perfect credit", although this does not guarantee that EVERYONE will get approved for there loan program.
If you are one of the unlucky-fortunates to be approved, be prepared to pay extrememly high Interest Rates for a small cash loan. Some examples of the LOAN RATES are as follows, although the final LOAN APR depends on your state residence.
(Loan, Product, Interest Rate, Annual Percentage Rate, Number of Payments Payment, Amount)
$5,075 Loan 59% 59.95% 84 $254.03
$2,600 Loan 96% 99.25% 42 $216.55
$1,075 Loan 89% 96.78% 42 $83.89
Simply put, think of this LOAN as a long-term, high APR cash advance with a short term payday loan personality.
*For example, borrowing just 1075 dollars will cost you a total of 42 payments at 83.89 a month, equaling $3523.38. UNBELIEVABLE!!! You are paying back over 3 TIMES what you borrowed. Look at the payment plan for $5075, you will pay back almost 22,000 DOLLARS over 7 years. SIMPLE MATH my friends, the enticement comes from the seemingly LOW payments structured over multiple years.
UNLESS you cherish and are satisfied with the idea of paying exhorbantly high interest rates on a long term structured average cash loan, then DO NOT accept an offer of CASH CREDIT from this company. Explore other options like family, friends, reputable banks, or seek financial assistance from a county program before digging yourself in the whole even WORSE when accepting these type of loan offers.
MANY people who unfortunately have defaulted on a loan from this company express that unfair collection practices, even receiving calls from "cash call attorneys and lawyers" regarding the debt. These are fabricated phone calls by a hired collection agency or rep with an attempt to threaten or scare you into paying back the money. No one will show up at your place of business or home, no lawyer is going to be waiting for you by your car attempting to seize your property or assets. Again, these are simply scare tactics into making you give them new checking or credit card info so they can retain payments again or draw the balance of the loan. You will not be placed in Jail and no Police officer will come looking for you. Please be advised that NO COMPANY is exempt from the FAIR COLLECTION procedures as imposed by the government. IF you do default on the loan, you CAN expect to receive harrassing phone calls, letters, or with time, a possible WRIT OF GARNISHMENT if your resident state allows it.(wage garnishment from your employer's payroll)
ONE FINAL NOTE: FOR THOSE OF YOU WHO MAY HAVE GOTTEN IN OVER YOUR HEAD WITH SHORT TERM CASH ADVANCES, PAYDAY LOANS, CREDIT CARDS, AND LOANS FROM COMPANIES SUCH AS CASH ONE, YOU MAY OPT TO FILE FOR BANKRUPTCY!!! AS BAD AS THIS SOUNDS, A BANKRUPTCY ON YOUR CREDIT WILL LOOK NO WORSE THAN LENDERS DINGING YOUR REPORT EVERY MONTH ALREADY FOR NOT PAYING YOUR BILLS ON TIME OR AT ALL. IT IS A LEARNING LESSON.
Best of luck to all of you who may find yourself in a desperate situation due to companies like Cash Call, payday loan companies and other long term scam companies. You do have options though, so get online, do your homework AND get your life bak on track.
Paul
Phoenix, Arizona
U.S.A.
How do companies like this get around usuary laws??
Agreed, but they do it.
If you pass laws telling them they can't there are screams of interfering with business.
I am on the fence. It all goes back to not signing questionable loan deals.
As Stephanie J tells us [thanks, I didn't have to go to IAFF!]:
Casey blathered I will try to call them soon to see what can be worked out.
Could he possibly be less specific?
Casey, (yeah, I know you lurk here you little worthless dipwad) instead of 'try' 'soon', how about frickin' pick up the and just DO it NOW? Remember on IAFF, I pushed you similarly, and you actually answered my question. DO it NOW!!
To paraphrase Yoda "there is no try, there is only do or not do"
Oh, and by the way their way of 'working it out' for be for you to F***ing PAY THEM! Pretty simple, eh?
'Course Casey lurks on EN. Maybe his post moderation is so slow because he has to read so much here. ;-)
"Reading... hard. Signing... EASY!"
Casey really has sucked dry every well. There's nothing left. Banks, brokers, hard money lenders, private capital, friends, family, even enemies. All tapped out. Near as I can tell he hasn't enough left to file bankruptcy.
Mel
These "loans" are set up as time payment contracts so they are not really subject to usury.
Usury, in the sense of excessive or exorbitant interest rates really doesn't exist anymore.
Cash Call is a finance lending company whose parent bank is First Bank & Trust of Milbank, SD. South Dakota exempted regulated institutions from usury law in 1980. That's why so many credit card companies are set up in S. Dakota.
So basically a bank or their finance lending company, Cash Call, can charge whatever the bank and the customer agree to in writing, with few exceptions.
That is why people need to so carefully read their credit card and loan agreements. Unfortunately, the people who usually end up most needing this kind of lending are the least able to understand the regulations.
::slithers into the blog suspiciously, eyes shifting back and forth and proceeds to speak in a raspy whisper::
So I found out that ISAMU stands for "International Society of Acerbic Masturbating Upstarts"--and I've discovered through a series of ancient, secret documents, that ISAMU is an ancient organization that is directly responsible for for thousands of plots including climate change, and that using their secret compact with an alien race called the "Slegin", used their alien technology and shape-shifting abilities to influence Soviet politics, and to eventually lead Uzbekistan to declare independence from Russia, and placed Islom Karimov into power as President, who is really an alien, and to drive the uzbeks out of the country by intentionally making the country black hole of poverty, and steering the Uzbeks to emigrate to California, where the Serin clan arrived, bringing with them the prophesied anti-christ, son of Satan, also known as Casey Serin, who will in part destroy the the United States of America, beginning with some seemingly innocent loans and starting the blog that would eventually bring an end to society as we know it.
But Shhh... Don't tell anyone.
The masturbating son of Satan -that's our Casey alright!
Stephanie - start writing sci-fi for a living, you are too freakin funny!
Stephanie
You will surely be "disappeared" soon for making this info public.
You are hilarious!
We saw the ad for Cash Call on T.V. and called the number. I spoke in great length with the loan agent. Getting all the information took 2 days. At no time did the loan officer indicate what the terms of the loan were or the payback requirements
What exactly did they talk about for TWO DAYS?
@ISAMU
SerCasey is nothing but a narcissitic parasite. An a$$mite and an inveterate liar living in his own deluded little world. Any attempt to justify his actions is shameful on its face. Everyone thinks the worst of him because that is all he ever does...HIS WORST! He is vermin, worse than that he is waste. Fecal matter waiting to get sifted and processed at the nearest Sacramento/Roseville water treatment plant.
SerCasey is nothing but a narcissitic parasite. An a$$mite and an inveterate liar living in his own deluded little world. Any attempt to justify his actions is shameful on its face. Everyone thinks the worst of him because that is all he ever does...HIS WORST! He is vermin, worse than that he is waste. Fecal matter waiting to get sifted and processed at the nearest Sacramento/Roseville water treatment plant.
Which makes it perfectly logical to conclude that Casey faked the whole "homeless man" thing, was responsible for the collapse of Enron, and more than likely one of the two other gunmen besides Oswald at the Kennedy assassination.
ISAMU, your re"butt"als are a bit of a stretch - a stretch not unlike that about to be suffered by Casey's bottom hole, rent asunder by big prison weeners.
Your true nature is about to be revealed: You are a sophisticated trolling robot. Considering that, you're doing a heck of a job.
Read about ISAMU!
Who said anything about Skilling, Lay or the Warren Commission? SerCasey is a fraudulent liar, that is a known commodity. Is it such a stretch to imagine him faking the whole "homeless guy" scenario? No, it isn't. I don't know whether he did or not, but given his track record I wouldn't put it past him. I'd say the other side has more validity than your position in respect to the actions of this disdainful little turd.
Is it such a stretch to imagine him faking the whole "homeless guy" scenario? No, it isn't.
Yes, it is. It doesn't fit with Casey's personality or MO at all. In particular, Casey has absolutely NO motive to do it. See, you ENers have this completely unsupported notion that Casey is obsessed with the traffic in IAFF, when really, he's not. He's not serious about getting cashflow from the site (lazy lazy), so what's it to him? He'll have enough commenters to attention whore on until he finally has to shut down. But in your warped view, every single action Casey takes on IAFF is some sort of traffic spiking ploy. No, its just Casey being stupid old Casey, just like he has been from the begining.
Seriously, you can't see the contradiction? Casey is too lazy to make money off his site, yet makes an effort to spike traffic by taking a picture of his friend's car and saying its some homeless guy? Whatever.
Casey isn't too hard to figure out.
No, Isumu: what Casey craves above all else is *attention*. Everything he does cries "look at me, look at me!"
The media stories; the video; the artfully-posed photos; the aw-shucks-look-what-I-did-now trolling; the succession of staged crises; the belief that he is in some way providing an educational service.
He wants to be a public figure. He wants to *be* *somebody*. And starving his site of the oxygen of attention is starting to take its toll on him.
@mel
I do that already. If it makes me enough money to eke out a living; that's debateable... I still have to do the workaday thing, just to keep things comfortable.
Besides, editors are expensive. 3 cents per word; a 150,000 word manuscript; you do the math.
I don't KNOW what is in Casey's mind. I've formed an opinion based upon his postings in his blog. I believe he does troll for responses and he doesn't deal in dispensing the truth about his situation or the purpose of his blog. Therefore, I'd put forward it is entirely possible he could perpetrate such a hoax. By thinking that, given what I know about the little a$$munch, it makes my thinking "warped"? Please!
I repeat, he is a fraudulent liar. Is it in his MO? I'm not sure, but I'd say it is more likeley that it happened than entirely ruling it out.
Isamu,
You've got it all wrong. EN isn't about Casey... it's all about ME and my hot, hot Jeep!
::singing::
It's all about meeeeeeeeee
It's aaalll about meeeeeeee
Oh, I suppose it's about Heidi and T and Mel too--'cause they're way smarter about the RE thing than I am...
It's all about UUUuussss...
It's all about Uuuusss....
In all seriousness... get over the wild or not so wild speculations. We're having fun over here coming up with all these conclusions. Sorry they don't meet with your exacting standards of reality, but that's the way the cookie crumbles. It's not hurting anyone.
You no like? You no come back. Simple simple. Au revoir, ou peut-etre pas?
You no like? You no come back. Simple simple. Au revoir, ou peut-etre pas?
Piss off, cunt.
Ooooh. That's mature.
I'm deeply wounded.
::smirk::
Piss off, cunt.
Nice language, Isamu.
I don't KNOW what is in Casey's mind. I've formed an opinion based upon his postings in his blog. I believe he does troll for responses and he doesn't deal in dispensing the truth about his situation or the purpose of his blog. Therefore, I'd put forward it is entirely possible he could perpetrate such a hoax. By thinking that, given what I know about the little a$$munch, it makes my thinking "warped"? Please!
Yes, its warped. Every time the site goes down (which it does quite a bit), someone posts on EN that Casey has been arrested, or Casey has done it on purpose, etc etc. Its a joke.
Its not Casey's MO because, because Casey has not once made something up on IAFF. Not once. Certainly he's been less than honest about a lot of things, but he's never completely fabricated anything. He doesn't need to make anything up for attention, the truth is enough.
Some ruse about a hobo on his property is completely different from lying on loan app. Its like saying that someone who writes bad checks is also certainly a shoplifter because they're both forms of theft (more or less).
Nice language, Isamu.
Cunt talks to me in French, I answer her in French.
So Isamau speaks french eh? No wonder you are such a flaming jackass.
I usually just ignore your attempts at intellectual posts, but there really was no need to call Stephanie that. By your anger at women, I think
1) You don't know how to relate to women
2) You jerk off to porn...a lot (that's right Isamu, in your little fantasies the women love and respect you)
3) More than likely you 'hire' women where you can treat them with disrespect (kind of get off on that don't you) and they seem to like it
4) Last but not least, you probably haven't been laid in a while...your hand, your inflatable dolls, and anytime you had to pay for it doesn't count.
Correction, speaking french doesn't make you a flaming jackass, you being a flaming jackass makes you a flaming jackass.
ISAMU = Casey Serin
ISAMU = Casey Serin
ISAMU = Casey Serin
ISAMU = Casey Serin
Rob, please delete all of ISAMU's posts on here -- nobody is allowed to attack or badmouth any enemy of Casey Serin.
remember, that 90-pound-wimp Casey Serin, is a cocksucker and a faggot who cannot physically defend himself out on the street, or in prison.
there are so many blood enemies of Casey Serin lurking around the various Uzbek-scum illegal-alien Serin family-of-filth home addresses in West Sacramento and Fair Oaks that any day Casey Serin will wind up inhabiting the Sacramento River.
the price of Internet fame is high these days...
When did I "morph" into everyone on this blog? I've never said he was arrested or brought his site down on purpose. Although I find a lot of things said on EN quite believable given his character.
How do you know Casey has not made something up on IAFF, are you his fairy godmother? Even his wife doesn't know some of the stuff he is doing (by his own admission) yet you claim absolute knowledge. Who is the "warped" one? You come on here trying to soften Casey's image like some PR Man by saying he's been "less than honest". The guy is a first class liar to the tune of $2.2mm. His other prevarications have been uncovered and posted here for all to see. You can continue the sychophantic devotion, but no one is buying what you are selling anymore.
And yeah, I'd be more inclined to believe that someone who has written bad checks in the past to be a shoplifter. As opposed to someone who has a clean record.
Let's try this one more time. Casey is a fraudulent liar. No, lets try it once more. Casey is a fraudulent liar.
Rob, please delete all of ISAMU's posts on here -- nobody is allowed to attack or badmouth any enemy of Casey Serin.
And become Casey? No thasnks. The beauty of free rope is to watch those who hang themselves. Now, that's like Casey.
HA! The little dork just changed the interest rate when called on it.
It's now 24% from 18%. He thinks we must be dumb or something.
I am betting it's 40-50% as there is no way in hell CashCall's interest rate is lower than his JP Chase, Citi or HSBC or any of those cards.
Swing, Isamu, swing.
Stephanie J
Wow you win the award for being called the nastiest name on EN to date! I'm sure you cried all night long.
I will repeat, ISAMU.eu is a SEO friendly web directory. SEO is one of Duane LeGate's favorite acronyms. He fancies himself a web marketing guru. Look what a wonderful job he did at Casey Serin's blog if you have any doubts about Duane's expertise.
So Isamu is Duane or Casey or Galina, whoever isn't napping at the time.
The posts have the brittle, abrasive style of Duane. However, the c*** word is often directed by a woman with a limited vocabulary towards another woman.
It doesn't matter.
The point is Casey and his cohort are freaking about the success of Rob's efforts here at EN. They are spending valuable time over here instead of processing Casey and Galina's mess. Ignore them.
seems the trolls have arrived. every internet community that reaches a certain size has them. makes me doubt web 2.0 (and I work in this area, and have a HUGE vested interest in vertical search).
then again, it's like the real world as well (it's why towns over a certain size need police).
bob dawg, is there any chance that isamu could be the nega-hero (based on his ip).
@Heidi,
I know, I should be proud. :) I'll wear it like a medal.
Yes, I languished all night in abject misery over the whole thing. ::sniff sniff::
::heh heh::
I'm sure that when language like that is resorted to, it's because our friend has no argument, and resorts to schoolyard tactics.
I'm well beyond that puerile behaviour. And the use of the 'C U Next Tuesday' word, as heinous as it is, reveals a smallness of character in our little Isamu friend. Not really worth any more fuss, that's for sure.
And thanks Rob for keeping the integrity of EN.
seems the trolls have arrived.
Thing is, I'm not a troll. All I did was make a few posts taking exception to the more wild accusations against Casey. But it seems that anyone who doesn't fully participate in the anti-Casey circle-jerk gets flamed. That's fine, but don't call me the troll for that.
Pretty pathetic really. You get onto Casey for excessive moderation then foam at the mouth at my posts?
@King
There's gotta be at least one for every forum. It's the way it is.
yeah, foam when abusive language is used.
Cunt talks to me in French, I answer her in French.
In which case you should have said "con".
(Which is actually markedly less rude, but means the same thing).
I think we should let it go.
Anyone who gets riled up from being spoken to in another language has serious weird issues. Just let him/her be.
I very much doubt any further argument with them is going to persuade them to act otherwise.
It's really not worth trying.
Ignore this kind of person and they usually go away.
yeah, foam when abusive language is used.
Walk it off, Melvin.
In which case you should have said "con".
That went right fucking over your head didn't it? (pardon my French).
You get onto Casey for excessive moderation then foam at the mouth at my posts?
It isn't the trolling of which you've got to admit there is a little. It isn't the criticism of which there is a lot of a personal nature. It isn't the colorful language of which there is so much the message gets diluted. It is that you aren't very good at it. Find something interesting to say, restrain yourself in the personal attacks and you'll find an audience that is receptive.
@Isamu
Wild accusations? Nothing is nearly as wild as this statement:
"because Casey has not once made something up on IAFF. Not once."
Lets, for a moment, go to an alternative universe and postulate that is true. How would you even know, unless you are Casey himself?
And the supposed anti-Casey circle-jerk you speak of is far less offensive than the cheerleading that goes on at IAFF for that narcissistic bloodsucker. Of course those posts are few and far between, especially now.
Casey has only himself to blame for his predicament and continued harsh treatment by the blogsphere. He has NO discernable redeeming qualities and interest in him exists for only two reasons. First, to determine whether he is a fraudulent lying bumbling boob or a fraudulent lying conniving snake. Second, what will be his ultimate fate. Other than that, I would believe that most have little or no use for visiting his so called "educational" site.
Oh wait, and to maybe read some entertaining posts ripping that repugnant little grease stain. But you can get that on EN now :-)
Casey's nugget of wisdom: I must admit CashCall is a pretty smart lender.
Wow Casey, that's quite an admission. Conceding that an established financial institution, with a solid business plan, and a firm understanding and experience in the best ways to get what they need from the type of customer they are very familiar with and are specifically catering to... that they are smarter than you. What a concession.
How big of you.
(pardon the run-on sentences--I quite love them)
That went right fucking over your head didn't it? (pardon my French).
Failing to respond on the same abysmally low level that you choose to pitch yourself doesn't necessarily mean that something has gone right fucking over one's head.
And that was Anglo-Saxon, not French.
(I speak both fluently.)
@isamu,
Answer with a simple yes or no. Are you:
1. Casey Serin.
2. Galina Serin
3. Duane Legate
4. Nigel Swaby
5. Yneonne
6. Any relative or friend of 1-5.
Let's see how honest you are.
Geniale, Miguel. :)
@isamu,
Answer with a simple yes or no. Are you:
1. Casey Serin. YES
2. Galina Serin NO
3. Duane Legate YES
4. Nigel Swaby YES
5. Yneonne NO
6. Any relative or friend of 1-5. NO
Cybil.
Isamu,
You realize with that non-answer you've painted yourself as several negative personae? Really at this point any annoyance with you is at the waste of electrons.
Nobody here wears tinfoil or pilots a black helicopter. Nobody likes to have somebody they don't know call them cunts. There's an expectation of honesty here because we've all come together to combat dishonesty. If you cannot answer honestly or even resist answering at all then there's nothing here for you.
"because Casey has not once made something up on IAFF. Not once."
Lets, for a moment, go to an alternative universe and postulate that is true.
Name one thing Casey just 100% made up on IAFF.
You can't.
How would you even know, unless you are Casey himself?
Because public records backed with the documents posted by Casey (potentially fakeable but no evidence they were) show that his story is basically true. Casey been nothing but consistant.
Isamu said...
"Piss off, cunt."
Way to lose any semblance of credibility by busting out with the ad hominem, looza.
What's the matter? Mother didn't breastfeed you when you were a baby? Ex-wife ran off with your brother? Found out your dad is also your uncle? Or are you just bitter cause you were born with a chaody nub and a small pair of nads?
Either way, how bout you just STFU by sticking a tampon into that gaping mangina you call your mouth, you steaming pile of shit, cause you bore me with your pathetic personal attacks that lack creativity.
Kthnxbye.
@ Dolph:
I had no idea Cash Call was so ruthless. I'm totally diggin it.
@ MigDreamy:
Ooh-la-la!!
@ Steph:
I heart you.
Isamu said...
"Name one thing Casey just 100% made up on IAFF."
Oh, I don't know... how bout that he intends to pay back every dirty penny? Cause for real, people who intend to pay their debts usually follow that intention with some actual income via a J O MOTHERFUCKING B.
Nobody here wears tinfoil or pilots a black helicopter.
Sure seems like it, since EN thinks I'm Casey and/or Duane and own isamu.eu, simply because I happen to use a fairly common Japanese first name as my alias. That's some "magickal thinking" right there.
@Isamu
Are you for real?
So it doesn't matter as long as there is "some" truth in what Casey says? Where is that cut off? Is it 90%, 80% or perhaps 50%? As long as there is some kernal of truth somewhere in the bilge he spews it can be designated as the truth.
That is Casey-speak at its finest. It sums up his whole problem and one of the main reasons why people are so incredulous about his actions. With a moral compass like that, no wonder he has ended up financially under water.
To paraphrase Dryden in Lawrence of Arabia, "A man who tells lies merely hides the truth. But a man who tells half-lies has forgotten where he put it."
Remember this is the same guy who sent out an email trying to sucker his friends into a scheme where he was guaranteeing them 20% plus return on their investment while he was already on his way to insolvency. HIS FRIENDS MIND YOU! I should believe this guy? I wouldn't believe him if he told me day was light and night was dark.
@Isamu
Thx for not dissapointing us. I would expect nothing less.
Rob Dawg,
Do us all a favor and post his ISP log? I can have some fun with it.
Oh, I don't know... how bout that he intends to pay back every dirty penny?
He does intend to pay back every dirty penny. His methods for doing so will never work (in fact, they're batshit insane), but its his intent to pay back his lenders.
That is basic Casey personality 101, which you've just failed.
Casey sez:
"So no more drafts for CashCall until I figure out my debt situation and find a way to pay them back (or settle). I will try to call them soon to see what can be worked out."
LOL LOL LOL!!!!!
Not to worry Casey, you don't have to worry about calling them "soon" ("soon" in CaseyTime(TM), is anything from a week to a century from now).
They will be calling you! Soon. Repeatedly. And your mother, and your sister-in-law, and anyone else you had put on the highly detailed application to get the loan. Don't worry, your friends and relatives are really going to enjoy it!
And, I think that the chances are pretty good that the collections people will have a printout of your arrogant little blog entry ""So no more drafts for CashCall...". to motivate them to take the right tone with your nearest and dearest.
Enjoy the rest of your life, twerp.
So it doesn't matter as long as there is "some" truth in what Casey says?
Casey certainly isn't honest about the reasons and motivations for his actions, but the basic facts of what-happened-when are truthful.
If you dispute that, be specific. Really fucking tired of "Casey lied so everything he says in a lie!"
Remember this is the same guy who sent out an email trying to sucker his friends into a scheme where he was guaranteeing them 20% plus return on their investment while he was already on his way to insolvency.
When Casey sent out that letter he honestly believed he could give a 24% return. Just like when he said he wanted to buy a 200 room complex he honestly believed he could do that.
Isamu said...
"He does intend to pay back every dirty penny.
When Casey sent out that letter he honestly believed he could give a 24% return."
And you know this because....
(a)....you're his mom?
(b)....you're his therapist?
(c)....you're his conscience?
(d)....you're a psychic?
(e)....you're just as delusional as he is?
My money's on option (e)
Remember this is the same guy who sent out an email trying to sucker his friends into a scheme where he was guaranteeing them 20% plus return on their investment while he was already on his way to insolvency.
When Casey sent out that letter he honestly believed he could give a 24% return. Just like when he said he wanted to buy a 200 room complex he honestly believed he could do that.
Sir,
First, how can you be certain of this? Second, I believe there is a difference between a dishonest statement and a lie. For Casey to guarantee a 24% return is dishonest, certainly. He may have 'wanted' to deliver this return, but without having experience or a concrete plan, how could he - honestly - guarantee this performance? It may not have been a lie - in fact, it certainly wasn't at the time, because the promise was for a future result. Nevertheless, it was dishonest. And, sir, not telling the full truth is very often dishonest.
@Isamu--why are you here? Really? Ok, so you acknowledge that you think Casey's as dumb as a post; and that he's made mistakes; but why do you feel the need to play devil's advocate? Just be be contrarian? To spread fairness by personal attack? You're a contradiction.
You claim that your posts are innocent and logical; but you've laced all sorts of underhanded and uncalled for statements into them that have pretty much erased any credibility you might have possessed to begin with; and now you're surprised that you're being 'flamed?'. Boo fucking hoo! You're not a victim here.
You're not even subtle about your aggression. Do you incite contraversy just to pump yourself up?
So the ultimate question is, why are you on this forum?
Isamu said
"Name one thing Casey just 100% made up on IAFF."
I'm a 24 yr old real estate investor from ...
That is a 100% made up. He is most definitely not a real estate investor.
Anyway, has anyone else noticed how similar Isamu's writing is to Duane Legate's rapid fire answer every damn person that mentions his name way of writing.
"When Casey sent out that letter he honestly believed he could give a 24% return."
Actually no he didn't which is why he admitted in a follow up letter that his empire was falling apart and he was trying to get more money in to pay off his own debts. He also lied about how there was minimum 20% equity in any property that "they" bought.
Duane, your name has already been associated with Casey the con artist, trying to make him seem better and more noble than he really is isn't going to get your name out of the mud. You got conned, taken in, accept it, and move on.
@Isamu
You are tired people are calling into question what a known fraudulent liar has to say? Incredible! Of course the pendulum is going to swing way over to the side of everything he says is a lie. After someone lies and half-truths as much as Casey it goes with the territory.
What is baffling to me is how you seem to be endowed with the power to know what is in Casey's mind. Do you do this by channeling him from a remote location, or are the seances held in Casey's stylishly appointed 5 times reorganized office? Do you sit on blue balls hold hands and wear goat herding hats?
Isamu:
When Casey sent out that letter he honestly believed he could give a 24% return. Just like when he said he wanted to buy a 200 room complex he honestly believed he could do that.
So basically he is sending out letters TELLING people he can make 24% when he has no clue himself? How do you find this okay? Honestly believed is not good enough.
This is no different than a pyramid scheme. He's making promises he obviously did not research.
I am showing you some respect here, I expect the same in return and not a flippant insult.
Your call...
Oh and Isamu, he sent the letter out around the time he realized how deep in it he was. How is this being honest?
Please let me know, I'd sure like to know.
@Dolph
I'm right with you on that one. What kind of ratf**k must you be to try and pull that scheme on your friends?
A desperate conniving ethically challenged ratf@#@...that kind.
The "invest with me, 24% guaranteed!" email was well documented by Ramit at I Will Teach You To Be Rich:
http://www.iwillteachyoutoberich.com/blog/meet-the-24-year-old-with-22-million-in-debt
and it certainly seemed from that description that Casey was very well aware that he was in the toilet and sinking fast when he send out his come-on. As Ramit puts it:
Casey had tried to sucker people into a scam real-estate deal less than a week before he admitted he was going through foreclosure.
I'm sorry, but it's simply not credible that Casey believed he could provide the guaranteed returns he was offering. This was a knowing attempt to bail himself out of trouble with other people's money. And isn't that basically what he's been doing all along?
("Service and integrity comes first though.")
He not only scammed his friends, but he also borrowed money from them; which I guarantee he hasn't paid a dirty penny back.
Also, Ramit mentioned that Casey called him and admitted that he was not being honest.
So, Isamu, if you want to hold Casey's hand (or any other body part, for that matter, I'm sure he'll let you if you spot him a few bucks), go on, but we're not interested.
@T
:) That's sweet.
In fact, I have to smile at the gallantry I've seen today. You know who you are.
Thanks.
Lenders can sometimes be difficult to reach. Additional contact information for CashCall can be found at the following address:
http://www.easypaydaylender.com/Content/PaydayLoanCompanyContactInfo.htm
Hope that helps anyone having trouble getting in touch with them.
Cheers.
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