this post was submitted on 29 Apr 2024
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Sovcit is concerned. (lemmy.world)
submitted 10 months ago by BonesOfTheMoon@lemmy.world to c/insanepeoplefacebook@lemmy.world
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[–] Spendrill@lemm.ee 32 points 10 months ago (3 children)

I'm not an American so I don't know if this is possible but could not a lawyer start a class action using all the sovereign citizens as complainants against a credit card company on the basis that said company did not do their due diligence before issuing cards to people so unhinged they couldn't possibly have entered into a contract with someone that required informed consent?

I feel like putting these people on the stand for about five minutes each would give ample supporting evidence of the proposition.

[–] BonesOfTheMoon@lemmy.world 12 points 10 months ago (1 children)

What an idea lol.

[–] Spendrill@lemm.ee 7 points 10 months ago

At least it would enable the sovcits to see what a magic get out of jail free card actually looks like from the front row.

[–] edgemaster72@lemmy.world 9 points 10 months ago (3 children)

Sure, but who's gonna bankroll it? Certainly the sovcits themselves aren't chipping in. At that point you're what, just suing the credit card companies for funsies?

[–] Canadian_anarchist@lemmy.ca 14 points 10 months ago

Seeing as sovcits choose to self-represent in court proceedings, I doubt they trust lawyers. Also, I can't imagine a lawyer accepting 1099a "payments" from a magical, secret bank account.

[–] Spendrill@lemm.ee 5 points 10 months ago

I mean, if there were a serious prospect of winning it would pay for itself. Unfortunately it would probably involve the Supreme Court paying for itself.

[–] HollandJim@lemmy.world 4 points 10 months ago* (last edited 10 months ago)

Not to mention, as a lawyer you’d get disbarred for such a ridiculous suit. Using anti-law against actual law? Kaboom - they’d have doubts about your abilities to practice legally.

[–] RealFknNito@lemmy.world 2 points 10 months ago (1 children)

Given you can sue for anything, yes. As to if you would win? I am sadly not a lawyer.

[–] Spendrill@lemm.ee 3 points 10 months ago (1 children)

I'm guessing that pretty much no one would be allowed to beat a credit card company in court, it would open too big a can of worms.

[–] RealFknNito@lemmy.world 4 points 10 months ago

Allowed to beat them? Yes. Will they have a dozen lawyers from the most expensive firm they can find? Also yes.

Corporations always have an extensive legal team which is why lawsuits rarely work against the wealthy.

[–] FlyingSquid@lemmy.world 24 points 10 months ago (1 children)

Holy shit, money isn't free?!

[–] BonesOfTheMoon@lemmy.world 24 points 10 months ago (2 children)

It just requires a magic coupon. Maybe some magic beans.

I always love how nonchalant they sound about wrecking their credit, like they're not concerned at all, they're just mildly put out at the inconvenience of having to submit more magical paperwork that'll surely work THIS time.

[–] Barbarian@sh.itjust.works 10 points 10 months ago (2 children)

I always love how nonchalant they sound about wrecking their credit

I've never understood the whole US credit score system, it's honestly pretty baffling. Don't get me wrong, we have credit scores here too, but they're something for experts doing risk assessment to do in bulk, not for individual consumers.

[–] CluelessLemmyng 12 points 10 months ago

Eh... The US economy is practically driven by lending to the individual consumer. Banks created a system to identify risks to lending to individuals. Higher scores mean less risk of a bank losing money on an individual. So those high scores are presented with higher credit limits and lower interest rates.

The issue with the individual credit score is that it has become ingrained in society as a litmus test for trustworthiness and credibility. So low scores are rewarded with higher interest rates, lower credit limits, and hit with bigger deposit requirements. Background checks for employment and housing are probably the biggest issue in this regard. If there is a score-tanking event in your life (such as bankruptcy due to healthcare emergencies, for example), it becomes exponentially more difficult to bring yourself back to financial stability because your bankruptcy is reported to the credit bureaus, they tank your score, and you then struggle to find a good job to bring you up again.

A lot of people who happily get credit cards without knowing if they can pay do not fully understand the consequences of not paying. It goes far beyond a bank merely telling you "no".

[–] BluesF@lemmy.world 2 points 10 months ago

Yeah, I was freaked out when I saw I had a low credit score (because I never used credit) when I was looking at buying a house... Dozens of articles online about it, how to increase it and whatever... But then the bank just gave me a mortgage anyway. Didn't make any difference. At least here in the UK the actual "score" doesn't really matter unless you have missed payments.

[–] some_guy 3 points 10 months ago

Plus the stamp to mail your magic words. Until you get a judgement against the post office and nullify mail charges.

[–] verity_kindle@sh.itjust.works 7 points 10 months ago

I like the little "OBJ" at the end of the post, really says all that needs to be said.

[–] SharkAttak@kbin.social 7 points 10 months ago

The AE guy did his duty, but missed the opportunity to slip at least one "in so which" in there.
Also feels like they put it in very simple terms instead of legalese to not leave the sovcit with any doubt.

[–] acetanilide@lemmy.world 5 points 10 months ago

I'm surprised they haven't closed it yet. I missed part of a payment once and my card was cancelled like a month later, if that.

[–] TheFriar@lemm.ee 5 points 10 months ago (1 children)

I can tell you what to do. You won’t like the answer though.

(Psst. You have to pay them money…bummer, I know.)

[–] Facebones@reddthat.com 1 points 10 months ago

Well they can get it from the secret million dollar account the government created when they gave me my all caps gubmint name as god intended 🤷