Thursday, July 07, 2005

The US CRA's make me sick

Thomas Chapman
Thomas Chapman
CEO of Equifax
This is disgusting! I'm ashamed that I ever worked for this company! At least I can say I didn't work for them when this bozo was in charge.

The CEO of Equifax, Thomas Chapman, gave a speech last month where he claimed that it was unconstitutional and un-American to force Equifax to allow US citizens to see the credit report file that Equifax keeps on them.

Here is the article.

So he wants to charge the US public to make sure that the info he keeps on them is accurate.

A "CRA" is a Credit Reporting Agency. In the US there are three: Experian (aka TRW), Equifax, and Trans-Union. As I mentioned in a previous post, starting in 2005, the CRA's have to provide you a free copy of your file every year. So, it is your un-American duty to demand that they do what the law requires and give you a copy of the information they have on you.

I've noticed that both the Commonwealth Club and Eqifax Corporate websites have removed their references to this speech he gave on 27-June-2005. The press-release webpage for Equifax has a dead link for this speech. They must have forgotten to remove this link. Oops!

The Commonwealth Club removed all references to his speech. However, Google had an archived version on their servers that mentions him as a keynote speaker at a speech about the future of the credit reporting industry. The whole speech seems to have dissappeared.

Wednesday, July 06, 2005

Drunk Driving Laws Rant

Today's Los Angeles Times has an article profiling an LA attorney who has made defending DUI arrests his specialty. I think the article is at best very misleading, and at worst, a free advertising coup for him. The fault I have with the article is that is portrays him as a DUI defendant’s best choice. He even has a slick ad campaign calling himself "Top Gun" DUI attorney.

Myself, having been run through the DUI mill twice with Claire, I know a little bit about the DUI industry. I call it an industry because that is what it has become. It is not about public safety. It is not about punishment. It is all amount money.

Now before you all get all bent out of shape, hear me out. I am not condoning drunk driving. Not at all. What I am doing is pointing out how what seems like a good idea has been perverted beyond recognition. In fact, I am convinced that that government wants people to drive drunk.

In two words, here is why: Easy Money.

Crime doesn't pay. Almost all of the criminal defendants marched in front of a judge have little to no money on them. The law enforcement, prosecution, and punishment of criminals is expensive. However, there is an exception to the rule... DUI. DUIs, unlike other crimes, make money. They are highly profitable both for the legal profession, and for the law-enforcement profession.

The reason for this is because this is the only law the "normal", law abiding, taxpaying, working citizens break (speeding too). That is why for so long drunk drivers were not taken seriously. They were just regular folks who had one too many. Then came MADD, Mothers Against Drunk Drivers. They brought the focus of lawmakers on drunk driving and succeed in getting the laws tightened. They got the drinking ages raised to 21. The got the drunken limits dropped to .08. They got the fines and punishments raised so that they were no longer slaps on the wrist.

Then something very bad happened...

The courts, law enforcement, the lawyers, and other services discovered that there was a lot of money to be made. Even better, they get to set the prices to whatever they feel like. There is no accountability, and they get to do it all on the name of protecting to public! What a great scam.

I say this because I had the audacity to ask the Sheriff's Department where all the money I was paying went. I asked them how they came up with the prices they charged for the court-ordered "education" services. I asked them to justify what they were demanding. I was told to shut my mouth. That it is none of my business. And that convicts don't have to right to ask questions.

It wasn't me who was busted. It was my wife. But the money came from our family budget. It was my name on the checks. Whenever I asked, I would run into a brick wall. I swear one time up the county jail a deputy almost took to beating me with nightstick for asking such questions. I obviously hit a nerve with them. I was asking questions that were not supposed to be asked.
Specifically, here how the scam works.

The Lawyers: The lawyers, like Top Gun in the LA Times article, earn thousands of dollars representing defendants in DUI cases. They charge about $4000 to $9000 dollars for a run-of-the-mill first-time DUI case. But a lot of people don’t know what they are getting for their money. What they get with DUI law-mills, like Mr. Top Gun, is nothing but routine paper pushing cranked out by a secretary on a computer. They file all the usual challenges knowing full well that none have a snowball’s chance in hell of succeeding. I would not be at all surprised if the LA County DA’s office simple rolls their eyes when they get a form letter from Top Gun’s firm, and throw it in the trash. The whole exercise is going through the motions.

It is easy money. Get paid shitloads up front and go through the motions of a well rehearsed script. Mail in routine defence paperwork, then plead no-contest to the charges. The defendant pays the price and the lawyer goes golfing.

The problem with this is that they are not getting any real defence for their money. What they are getting is someone to hold their hand. If they really want to defend themselves, then they are going to have to come up with another $10k and more for real service.

They key is to find a lawyer who specializes in DUI cases personally. Not one that has a paper factory with his name on the letter head, but he doesn’t even know who you are. He or she should not be part of a large, we-do-everything, law firm either. They are just as bad. They charge a lot of money for mediocre service.

The DMV: Above and beyond the criminal charges and punishment, there are the “civil” fees that are added to everything. The DMV has gotten in on this racket too. They have discovered that they can charge special fees (don’t call them “fines”) to DUI convicts. And the great thing about is, they don’t have to answer to anyone about it. They get to charge whatever they feel like. I asked how they justify raising the price of a drivers license by hundreds of times just because it was a DUI return. They claim some vague mumbo-jumbo about “public awareness campaigns”. But you don’t have the right to question them since you are a convict. Yea, right. That money goes right into someone’s pocket.

The “Education” Industry: Now this is the part that really peeves me off. One thing that is required of convicts is that they attend a multi-month alcohol education class. I don’t have the problem with the concept, or the class. What I have a problem with is how it in implemented. First, they tell you what and where the class is. You are not given any choices. They also tell you how much you have to pay. Again, no choice in the matter. It costs hundreds and hundreds of dollars. When I asked how they came up with that price, and how “XYZ Industries” managed to secure the contract to provide these classes, I was told to shut my mouth. The whole arrangement stinks sky-high of corruption and collusion. Wow. A vendor gets to win a contract for a service that is court ordered and they get to set the price to whatever they want.

Now here is the other part of their scam. They set it up so you almost have no option but to fail and pay the fees all over again. Because you have no choice as to when or where, they raise the chances that it will conflict with your work or children. They schedule them at crazy times, I think in order to make it impossible to catch public transportation there. All in order to increase the odds that you might be a minute late. If you are a minute late, you are denied entry. If you miss a class, then you have to start all over again from the beginning. No credit or refunds for fees paid.

In Claire’s case, she was lucky. She didn’t work, and I was able to buy her a license that allowed her to drive to and from the class. Most people in class were not so lucky, and about half had to do-over because of work or family conflicts.

Jail: Even the jail gets in on it. In addition to the fines, lawyer fees, DMV fees, class fees, court fees, and a million other fees, the jail also charges money. They allow these low-risk offenders to perform public service, for a steep fee. Yup, they charge you not to be their guest. So not only do they don’t have to spend money feeding you and paying guards to watch you, they get to charge you money for the privilege. The Sherriff’s department doesn’t really want you in their jails. They would rather just have the money. The whole thing just struck me as en extortion racket.

What Is Drunk?: Another thing that peeves me about the drunk driving laws is how they define drunk. It strikes me as extremely simplistic to claim that someone who is .079999 is perfectly fine to drive, and someone who is .00001 more than that is drunk and get the full brunt of the law thrown at him or her.

What they do here in Western Australia, that I think is a smart idea, is to define multiple levels of drunk drivers. Blow 0.05, and you are on the first level of drunk driving. A .06 is the next, up to 0.08 where you are considered to be criminally drunk. Each level has it's own punishments that get measurably more serious as the level goes up.

The Solution: I am convinced that the elimination of drunk driving is the last thing that the state and local justice departments want. Because if they really did want to eliminate it, then they would implement real solutions. Not just feel-good solutions that serve principally as a source of revenue.

They should eliminate all the money. It has corrupted them. If they were serious, then they should simply sentence first time drunk drivers to a year in prison. Nothing else. No forced classes that they won’t pay attention to. No cleaning parks in lue of jail time. No enormous DUI industry. People will learn soon enough how serious drunk-driving is when they know they are going to locked up for a year for doing it.

Until that happens, the whole thing is nothing but a money making extortion racket.

The Lazy Ass Award goes to...

This sounds so cool! I would have been laughing my ass off. A guy and his dog slowing driving around Sears looking for the tool department. Talk about lazy!
Truckin' through the mall leads to arrest
Last Updated Tue, 05 Jul 2005 09:38:40 EDT
CBC News

Police in Edmonton have laid charges after a man drove his truck through a sliding door into the city's biggest shopping mall, calmly drove around for five minutes, then left through another exit.

The bizarre incident began at around 5 p.m. Sunday, when staff at the West Edmonton Mall heard a loud noise, they told local newspapers.

They looked up to see a blue Dodge Dakota wending its way through the Sears department store. The driver was wearing sunglasses, and a large dog was sitting at his side in the vehicle's front seat.

The pair left through another set of doors.

Both entrances were damaged in the incident.

Police stopped a truck in downtown Edmonton a short time later. The 35-year-old driver has been charged with dangerous driving and mischief, as well as driving a vehicle without a valid registration and insurance.

Animal control officials took control of the dog found in the truck.
Reminds me of an incident last year here in Perth. The police were called when a jogger reported a car driving on a the running track of a public athletic field. It turns out the driver was taking his dog for a walk and didn't want to bother to walk himself. So he put the dog on a leash, set him outside the car, and slowly drove circles on the track as the dog walked along side the car.

I mean how lazy can you get?

Tuesday, July 05, 2005

No sex tonight?

From a friend of mine...
No sex tonight?

I never quite figured out why the sexual urge of men and women differ so much. And I never have figured out the whole Venus and Mars thing. I have never figured out why men think with their head and women with their heart. FOR EXAMPLE: One evening last week, my girlfriend and I were getting into bed. Well, the passion starts to heat up, and she eventually says "I don't feel like it. I just want you to hold me."

I said "WHAT????!!! What was that?!"

So she says the words that every boyfriend on the planet dreads to hear..."You're just not in touch with my emotional needs as a woman enough for me to satisfy your physical needs as a man."

She responded to my puzzled look by saying, "Can't you just love me for who I am and not what I do for you in the bedroom?"

Realizing that nothing was going to happen that night, I went to sleep. The very next day I opted to take the day off of work to spend time with her. We went out to a nice lunch and then went shopping at a big, big unnamed department store. I walked around with her while she tried on several different very expensive outfits. She couldn't decide which one to take so I told her we'll just buy them all. She wanted new shoes to compliment her new clothes, so I said lets get a pair for each outfit. We went onto the jewellery department where she picked out a pair of diamond earrings. Let me tell you...she was so excited. She must have thought I was one wave short of a shipwreck. I started to think she was testing me because she asked for a tennis bracelet when she doesn't even know how to play tennis. I think I threw her for a loop when I said, "That's fine, honey."

She was almost nearing sexual satisfaction from all of the excitement. Smiling with excited anticipation she finally said, "I think this is all dear, let's go to the cashier." I could hardly contain myself when I blurted out, "No honey, I don't feel like it."

Her face just went completely blank as her jaw dropped with a baffled "WHAT???!!!"

I then said, "Really honey! I just want you to HOLD this stuff for a while. You're just not in touch with my financial needs as a man enough for me to satisfy your shopping needs as a woman."

And just when she had this look like she was going to kill me, I added, "Why can't you just love me for who I am and not for the things I buy you?"

Apparently I'm not having sex tonight either.

Monday, July 04, 2005

Slipping on by

It is winter here in Perth now. That means almost every day there are rain squalls coming through every 30 minutes or so. This rain makes riding the train to work fun. When the rails get wet, the train conductors sometime have problems stopping. Like this morning. It is fun to watch the passengers waiting on the platform witness their train slide past, brakes squeeling, coming to a stop way past the station. Sometimes the conductor just gives up and keeps going, leaving the passengers stranded.