By clecker - 08/10/2009 10:24 - Australia

Today, I finally paid off the massive debt on my credit card. I came home only to find that almost everything I owned had been repossessed an hour before I paid the debt. FML
I agree, your life sucks 37 635
You deserved it 12 949
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Top comments

gotuxdaddy 0

I think this post is fake. If you legit paid it all they would have told you that some of your things were repoed. If you did really pay off the debt go to the credit companies and demand your stuff back since you paid your debt.

73 1

Comments

buddychrist 3

Credit cards are unsecured debt. The only thing that can be taken is the contents of a bank account, and only when decided in court. I call BS.

9 0
birds_fml 7

This is exactly what I came in here to say. They can repo your house, or your car, but only because the bank OWNS those things so if you don't pay they take it back from you. The most that a credit card company can do is pester you for your money if you don't pay, and then eventually write off the debt and sell it to a collection agency. Then the collection agency will wait some years and MAYBE sue you for that money, at which point the court will make a ruling and then they can garnish your wages. THEY WILL NOT COME INTO YOUR HOUSE AND TAKE YOUR BELONGINGS! How would they know which things were bought on the card anyways? IF this FML is real, then the OP is stupid because her house was burglarized, and she just assumed the credit card company took her stuff.

7 0
erin37 27

In Australia the the credit card companies go through the bank. So they can take it back.

0 0
g039260Marty 0

Fake. Credit card debt doesn't get reposessed.

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Elendil_fml 10

I don't normally do this, but I'm calling bullshit on this. I worked in Bank of America's credit card division for years. Credit card companies don't repo things. Credit cards are unsecured. Every secured card I've ever seen has been secured with deposits, not personal belongings. This is a fake FML.

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Hermyoni 0

I think the OP meant the stuff they purchased on the card got repossessed at least that is how I read it.

0 3
poppychulo 0

Things you purchase with a credit card also can not be repo'd. An unsecured loan is just that, unsecured.

1 0
plexico 3

I once had a girlfriend who financed her boob job. We had a great time with the fun bags until I realized she had fallen behind on the payments. That was one ugly repo. "Let's eat sushi, and not pay."

0 0
BellaMuerte_fml 0

I can only imagine.... *shudder*. I have a really disturbing mental image of a person coming and sucking silicon out of someone's boobs while yelling "That's what you get for not paying, ******!" right now. ._.

0 0
leisl14 0

All I'm picturing is that scene from nip/ tuck where she hacks her own boob off.

0 0
twistedluver101 2

They don't repo your stuff cuz of your credit cards. They only repo things that you owe payments on (cars, rental stuff, etc.). So unless you owed money on all those things, this is a fake. YDI, for being fake.

1 0
Captain_Jello 0

Maybe in Australia they do it different... If so, then USA should adopt these practices

0 1
patticake1601 0

no, same rules as USA. Credit card debt is unsecured and the banks dont repo what you purchase on your credit card.

1 0
JazzProphet 0

You need to learn not to spend money you don't have. =_=

0 1