
Net Gambler Sues Credit Card Company 280
DR writes "A man is suing American Express and Discover because they helped him lose $25K in on-line casinos." Ok, I gotta ask, who would bet $25k in
online gambling? Over COMDEX I was freaked out when I was down eleven bucks!
Q: Who would bet $25k in online gambling? (Score:1)
A: A sue-happy freak, if not a lawyer himself, who planned ahead of time to sue if he lost big bucks. (So if he wins, he wins. If he loses, he doesn't lose.)
These people make me sick, as do the juries who fall for this BS.
Cheers,
ZicoKnows@hotmail.com
I am suing the US treasury (Score:4)
You have to be Kidding !!!! (Score:1)
If this goes through, I'm suing VISA in January for them 'enableing' me to run up large bills for Christmas gifts !
Well if thats the case.... (Score:3)
McDonalds for making me fat.
Budweiser for making me drunk.
My parents for making me ugly.
The cast of Friends for making me wish I was skinny, sober and beautiful.
On a scale of one to ten how stupid is this guy? When will these people grow up and learn that not everything is someone elses fault?
Easy Money (Score:1)
"You should never have your best trousers on when you turn
A woman in california got off... (Score:4)
Many thousands of dollars of gambled away credit card debt was forgiven.
Typical. (Score:2)
Sheesh. What's the world coming to?
responsibility (Score:1)
Sick of silly lawsuits (Score:1)
I think it's getting to the point where dumb lawsuits (net-related or not) aren't really newsworthy for slashdot.
Daniel.
sigh (Score:1)
zdnet wisdom (Score:1)
Isn't that the way it works with every credit card transaction, gambling or other? What's the point of that statement? Hey, I should sue them because I paid too much for something lately, and they are definitely responsible. After all, they have an interest in high prices, because they get a percentage in fees!
Can't believe people earn money on cases like this (Score:1)
The thing that bugs me is that at the end of the day, this guys lawyer is going to make money trying this case. What a waste of time and effort when there are other things people could spend their time doing.
litigious society (Score:1)
Hey slashdot- when do you think that you will be sued because somebody's spending too much time reading the site and the wasted time was out of their control?
I mean, you people are costing corporate america BILLIONS of dollars in wasted hours. I think that a class action suit is in order: Microsoft et al. v. Andover.net. I mean, how are they supposed to prevent themselves from reading such juicy content?
Gosh, you guys are a menace.
Re:Q: Who would bet $25k in online gambling? (Score:1)
And the point? Dont' people have to work for a living anymore?
These people make me sick, as do the juries who fall for this BS.
Personally I for one am not sympathetic to anyone who has 25 grand to waste on gambling. Obviously this wasn't some working class man trying to earn money for his family so I could care less.
The sad thing . . . (Score:2)
I'm hoping the judge tosses this one. Otherwise, stupidity wins a court case again.
..They Helped him?... (Score:1)
And as far as losing $25k, He must have been using a pretty high stakes place because most online casinos that I have seen don't let you bet like 1000 at a time or something. Anyway stupidity is always painful whether it's to the self or the pocketbook.
2nd time for this tactic? (Score:2)
Aha! Found it...it's here [slashdot.org]. $25k, nothing...this earlier one was $70k.
Resist the urge to cry "stupid lawsuit!" (Score:2)
And the courtroom breaks out in giggles (Score:1)
Question for the Genetic Engineers (Score:3)
Clearly something needs to be done!
(One last shot...it's a good thing this guy wasn't gambling with his laptop in a Starbucks bathroom while drinking McDonald's coffee...he could be suing everybody!)
Dana
Re:responsibility (Score:1)
We have names for people like this in England. "Apeth". (Yorkshire) "Twat". (Midlands)
I hate to say it... (Score:2)
One another point who in the hell spends money at online casino!?!? I mean, if I am not tanked off free booze by the time I am behind $10, I know it is time to quit (Ya, I am cheap!)
Another case of raging stupidity (Score:1)
Responsibility (Score:2)
When somebody states that the companies are aiding illegal gambling, after attempting to gamble, without a pre-declared purpose, they have no credibility. It's fairly transparant that this man is a con artist who lost $25k and is now gambling that he'll make far more than that in a lawsuit.
I hope that the credit card companies fight him hard and don't settle with him. He is abusing the legal system.
This is not new (Score:1)
Check it out, its kind of sad, but she actually beat the credit card company and was allowed to dodge the $70k bill she ran up. Her excuse was that she should not have been allowed to run up the bill because gambling is not allowed in her home state.
Weavus
... (Score:2)
What's really sad is that people have the expectation that this government should protect people from their own stupidity. It's not entirely bad, either.. but in a pure capitalist society the government won't be holding your hand at all. The US hasn't made up it's mind here, so the question is "it depends". So I guess there's plenty of blame to pass around for stupid lawsuits like this - the legislators for not taking a firm stand, the stupid idiot that blew $25k on his "habit" and tried to pass the blame on, and the company for not having policies to prevent this. Ultimately the blame rests on this guy - he has a problem, he knew it, he didn't seek help. You can't sue the hospital for not telling you you're bleeding to death.
stupid people taking over (Score:1)
Re:A woman in california got off... (Score:3)
Talk about passing the buck! (Score:2)
If you can only afford to lose 10 bucks..then take ten bucks w/ you to the casino. DUH!
But it just seems like another case of pointing the finger to say that 'Look! It's not my fault that (insert affliction here)! (Insert Cause which is allegedly related)help/conditioned me to do this! It's not my fault!'
Come on kids.... face the music and take responsiblity for your own actions. No one held a gun to your head to bet 25k. YOu did it. YOu can't tell me that it never once passed in this guys mind that he might not be able to afford it.
this guy is an idiot (Score:1)
it doesn't even need to be said. We live in a potentially dangerous world. You have to pay attention,and not do something stupid to stay alive.
Sure, I could walk out into traffic and sue whoever mows me down - or cut myself with a steak knife, and sue because it was too sharp.... Evolution works for a reason, it is to thin out the weak and stupid out of the herd.
Re:Q: Who would bet $25k in online gambling? (Score:1)
Well if this is his plan he is still an idiot. Read my lips: NOBODY WINS IN CASINO GAMBLING.
People gamble for the same reason that others are shopaholics: they like loosing money. Nobody wins.
-
We cannot reason ourselves out of our basic irrationality. All we can do is learn the art of being irrational in a reasonable way.
Re:I am suing the US treasury (Score:2)
It has been brought to my attention that your 3rd grade teacher didn't give you basic training on the proper use of money. I am sorry, but we are unable to process a refund for you at this time. Please contact your 3rd grade teacher for assistance in dealing with this problem.
Sincerely,
The US Treasury
Re:Okay...this guy needs to be KILLED! (Score:1)
Darwin where are you now?
Do you think Darwin actually does the selection? Is this some religion I haven't seen yet, where people worship Darwin and call him forth to rub out the weak, the out-of-touch and the annoying?
I'd have to say that's pretty tempting. Sign me up.
Re:Okay...this guy needs to be KILLED! (Score:2)
(Charlie fetchs BFG from back of horse-drawn carriage, adopts bad Austrian Arnie accent)
"Okay yu ass-hol, if yor so fit den survive zis!"
Heh, nice image. . .
Hmmm, again the lawyers gather like vultures.. (Score:2)
This sort of personal weakness makes me sick. "Oh, I didn't have a perfect childhood. That means I can fsck up my entire life, and it's not my fault".
"I spilt hot coffee on my leg and it hurt. It's not my fault, I didn't expect coffee to be made with hot water"
And I'm sure we've all seen the airline peanuts with instructions on how to eat them, as well as the safety warning "may contain nuts"
It's a hard world out there, but too many people are unwilling to take responsibility for their own actions. This gambler is just trying it on, plain and simple. The thing that scares me the most is that he might get away with it... With the way that both the USA and the judicial system operate at the minute. (I'm not knocking Uncle Sam here - this legislative madness infects us all. Here in the UK we had massive payouts recently for female soldiers who got pregnant and were asked to leave the Army as a result. But they'd already signed contracts before joining saying they would leave the Army if they fell pregnant...)
Oh yeah, BTW, the article mentions the Credit Card companies as taking about 5% of all transactions... They do that anyway, even if you're buying a tank of petrol or a takeaway pizza... Excellent, sensationalist reporting...
There. That's better. (rantMode=0)
Re:sigh (Score:2)
I think that the case then (McDonalds) was that:
a) they'd already been warned that the coffee was too hot more than once
b) the woman got 3rd(?) degree burns, which you shouldn't get from coffee
(b) gives you dangerous behaviour, (a) gives you negligence.
Re:Responsibility (Score:2)
Not stupid (Score:1)
Credit card purchase protection? (Score:1)
With most cards, anything you purchase with the card is protected somewhat (extended warranties, and such). If this guy wins, we have a new "feature" to credit card purchase protection. If I do something illegal (buy drugs, buy sex, buy gas while kidnapping someone, etc.) I'm protected. The only problem could be that it might be difficult to find a drug-dealer who take credit cards. No problem! I simply go to an ATM, get a cash advance charged to the card, and the card company is responsible for everything I do with that cash.
[SARCASM OFF]
C'mon everyone. When you get a credit card, you sign a contract. You should read the contract. By signing you promise to pay your debts. Be an adult, keep you promises.
only $11, CmdrTaco? (Score:1)
David
bash: ispell: command not found
It's the American way (Score:2)
Aaah, yet another story of someone suing someone else because they seem to be unable to accept responsibility for their own actions. This does seem to be the trend in America these days - anyone has something go wrong sues rather than admit that it was their fault, or even nobody's fault. And the saddest thing is that they seem to get away with it every time from what I've seen. Wasn't there a family who won over $300 million in compensation for having a slightly misleading contract that they didn't check properly and got charged $750 above what they had thought they would pay?
Credit cards are not supposed to monitor everything you use them for, and if they did it would raise some serious privacy concerns. If you have a credit card, you're supposed to be responsible enough to use it sensibly. And lets face it, while it's easy enough to overspend on one, $25000? What kind of idiot spends that and then claims it wasn't their fault?
I'm gonna sue I'm gonna sue! (Score:1)
I'm gonna sue userfriendly.org for making me lose productivity by reading their strip and laughing my butt off.
I'm gonna sue my ISP for providing me with these wastes of time and *gasp* charging me for it...
Um... what other stupid lawsuits can I think of??
Bad analogy (Score:1)
Honestly, if the person racks up $25,000 in gambling debt, he's got larger problems. He's basically suing the credit card company for his own idiocy. I'd like to see this guy lose and have to pay up the $25,000 smackers. I have no love for credit card companies, but it's everyone else who loses because of increased interest rates the companies (supposedly) use to cover their legal costs.
Free land (Score:1)
Even if... (Score:1)
And would he be suing if he had won? Come on! Nobody forced this guy to play the games. If he is able to show in court that AE is at fault, it would open the door to even more frivilous suits, where Jane Doe sues Visa for helping her spend too much money on clothes at the local K-Mart.
Mike Eckardt [geocities.com] meckardt@spam.yahoo.com
too bad ... (Score:1)
Re:I hate to say it... (Score:1)
Why is it different online?
What happened in a Starbucks bathroom? (Score:1)
~afniv
"Man könnte froh sein, wenn die Luft so rein wäre wie das Bier"
Gambling stupid ? (Score:1)
Suing the credit company may be a lot of things, but it surely isn't stupid - he's trying to cut his losses. Of course, in an ideal world, he should face the consequences of his actions and take responsibility like a man and so on, all this crap - but hey, it's the promised land of ridiculous law suits.
Re:... (Score:1)
Especially not after that you have died.
Re:Resist the urge to cry "stupid lawsuit!" (Score:1)
Two issues here to sort out (Score:3)
In fact, what I see are two different issues: One, that credit card companies allow online betting sites to accept their cards. Two, that web is not constrained by state or even federal geographic boundries.
It didn't say in the article, but I'm willing to bet that these gambling sites are not illegal outside of California; indeed, they might even be off-shore betting sites. I'm not sure that this issue (of accessing services around the globe that are illegal in your locality) has been addressed by the courts yet, but it'll probably come up if this case moves forward.
As far as credit card companies working with LEGAL casinos, this has been happening for a long time. You're not "purchasing" gambling; you're getting a cash advance (for which the credit card company usually charges you extra) and you're using that cash how you see fit; you can choose to walk away from the casino with all your money, or you can choose to bet it.
One possible scenario I see coming out of this: one way that the US Govt. has dealt with Child Porn coming over the Internet is to determine that this material essentially originates in the state in which it is downloaded (e.g. when someone downloads such material, the 'transaction' occurs in your location.)
Since this guy claims that he was encouraged to participate in "illegal gambling activity", couldn't the same rule be applied to him, and his computer be deemed the origination of such illegal gambling? As such, not only would he lose this case, but he would be guilty of a felony in California! Wouldn't that be justice...
:-)
This sounds like the Miranda case... (Score:2)
The lawsuit alleges the credit card companies participate in and profit from illegal online gambling by issuing merchant accounts to Internet casino operators who accept bets from web surfers
located in California where such gambling is illegal.
So, if someone breaks the law by gambling in California, yet gambling in California is illegial, but online gambling exists (the majority of which are actually in another country), what do you do?
Well, the obvious question is: Can the laws of another country (aka legalized gambling) take precidence over laws of the US or of California (aka illegal gambling)? The obvious answer: no. But then, why are millions of people able to gamble even though it's illegal? Answer: they shouldn't, yet they do.
My point is this: here's a place where the internet is the gateway to breaking laws. Gambling is illegal, yet is it legal via the internet?
I'm afraid that people might start seeing government imposed limitations on the internet if this case actually gets enough media attention.
Countersuing and Failures of Natural Selection (Score:1)
Second, this man is an example of when natual selection gone wrong. By all logic, this man should have died long ago. All I can assume is this man is a leech to society who has done it absolutely no good. But thanks to welfare and a society whre people don't have to accept responsibility for their actions, this man is still around, using up my tax money in court for a frivolous lawsuit.
This is sick.
Hers was $70k (Score:1)
Vias and Mastercard sued her for debt and she countersued 'cos net gambling is illegal in CA.
See www.theregister.co.uk and do a search for
Cynthia Haines
(they're only on 128k so I didn't want to
Re:Stupid WEAK people. (Score:1)
--Fesh
The American dream (Score:2)
Now, I'm not from America, but that means I've got a different perspective on you guys. You're totally correct in what you say, and it seems to me that it's a national mentality where there is in inability to admit that America is as flawed as the rest of the world. If the causes of these problems were tackled then it would be the same as saying things aren't perfect - it's better to say that if a kid shoots up his school then he's got mental problems than to say it was because of the society he grew up in. Don't get more wrong, I'm not saying America is a bad place, it's just that it's not really as good as some Americans seem to spend a lot of time telling everybody.
Re:I hate to say it... (Score:4)
Now that I think about it though, maybe this guy isn't so dumb. Maybe he realizes the legal system doesn't hold people accountable for their actions so if he can get out of debt in a lawsuit, why not? Perhaps it's the legal system that has allowed people to win stupid lawsuits that is most at fault here.
Dana
Re:A woman in california got off... (Score:1)
-Spazimodo
Fsck the millennium, we want it now.
Don't sweat it, folks. (Score:1)
Sure, some casino staff might lose their jobs, but I have about as much sympathy there as I do for Tobacco workers who become redundant when smokers quit (for me that's some, but not much, you may feel differently). Oh, and a few owners and managers who deserve no sympathy whatsoever.
Wasn't she just breaking the law? (Score:1)
Net Zero (Score:1)
No big deal, it is done every day. The only reason this got any press is because it has both Internet and Credit Card in the subject matter. This time of year, with all the online shopping, anything negative with these two items will get attention.
Re:Okay...this guy needs to be KILLED! (Score:1)
It used to be something like, "Play with fire, and you shall get burned." Johnny Cochran has now bastardized that into "Play with fire, and you shall get paid. They shouldn't have sold you those matches and gasoline. That's not safe."
We have too much time, and too many lawyers in the USA.
Sue Al Gore (Score:2)
Microsoft will fix this. (Score:2)
--Shoeboy
Its about time some precedence was set for case (Score:1)
Re:Q: Who would bet $25k in online gambling? (Score:1)
Re:A woman in california got off... (Score:2)
-r
Re:Q: Who would bet $25k in online gambling? (Score:2)
Easy to implement. (Score:4)
Re:I am suing the US treasury (Score:2)
Re:What happened in a Starbucks bathroom? (Score:2)
This guy has a strong case (Score:3)
Re:Q: Who would bet $25k in online gambling? (Score:2)
I'm not entirely sure that this is true. I think that gambling is a serious addition for a lot of people, and more often than not the people who require help ARE the working class people looking to make some quick, easy money.
While I do not support the people who are pushing to have gambling and slot machines outlawed, I do think we need to have some measures in place to help prevent this kind of thing from happening. Unfortunately, what this solution is, I'm not entirely sure. But following Homer's morals and not caring 'cause you don't know 'em isn't the answer.
And in AMEX's defence, I don't think they should be accountable because he gambled away a crap load of money. To me, that is as silly as holding gun companies accountable for a murder. As far as I'm concerned, unless there is blatent negligence, accountability is always found in the do-er of the action (of course there is who whole notion of being ordered to do something, say in the Army, but that's a whole other topic).
-dr
Responsibility (Score:3)
The guy used the card on the Internet, and therefore bears a certain degree of responsibility, EVEN IF he turns out to be a gambling addict. Responsibility is not necessarily a function of ability and is certainly not a function of denial.
Having said that, any credit card company willing to issue a card to an addict should be prepared to accept some degree of responsibility for the conseequences. If you wave a bottle of whiskey in front of an alchoholic, the chances are they're not going to just close their eyes & ignore it.
ONE responsibility does NOT negate the other. It is perfectly legitamate for more than one person to have some degree of accountability over something. Indeed, it is frankly stupid to pretend that everything happens in isolation, and that all "blame" should be heaped onto a single scapegoat.
Primitive tribes tried that with real goats, and it got them exactly nowhere. Denial ain't your friend.
I would say that the online casino is a measure responsible, too. After all, in bars and pubs, if someone's had too much to drink, the landlord will usually stop serving them, and the bouncers may escort them to the door. Why should a casino do any less?
Overall, I'd break down the responsibility as follows: The guy has the bulk, as it was HIS choice, so I'll say that's 85%. The credit card company should be more careful on who it issues cards to, so I'll call that 10%. The casino can't have been oblivious to the fact this guy was hooked, and should have limited things before they got out of control, not tempted him to spend more. (But, the gambler's reaction to temptation is HIS and NOBODY ELSE'S, which is why I don't see the casino as having any more than 5% responsibilty.)
IMHO, the lawsuit should end with the gambler paying 85% of the debts, the casino 5% and the credit card company writing off the remaining 10%. The gambler should then have his credit card revoked and his credit status put as a bad risk, for at least a year, with court-ordered attendance to gambler's anonymous.
Of course, this will never happen. America's too caught in the all-or-nothing parade, as shown by the woman who sued McDonalds over giving her hot coffee. Either McDonalds was all to blame, and the woman innocent, despite the fact that it was her negligence which caused the cup to spill, or it was the woman who was guilty, and McDonalds innocent, for all that they didn't bother to seal the lid on properly.
Sorry to disapoint people, but the universe doen't believe in finger-pointing.
The law (Score:2)
If it is legal then the credit card companies have every right to extend a merchant account to these companies and the guy has no case.
If it is illegal then the guy was breaking the law when he gambled online and has no case again.
I really don't see how he can win, does anybody know the outcome of the case where the women sued the credit card companies a while back for the same thing?
Re:Typical. (Score:4)
-Teddy KGB
I work in gaming industry... (Score:2)
Gambling on the Internet.. (Score:2)
People who buy into overpriced IPOs on Internet stock trading sites?
Daniel
Re:I hate to say it... (Score:2)
(I guess if you were buying it for OTHER people - but then it would be difficult to claim personal injury...hmmm...AGGH! TOO MUCH ANALYSIS!)
Re:Responsibility (Score:3)
Primitive tribes tried that with real goats, and it got them exactly nowhere. Denial ain't your friend.
Just an off-topic point. No one "blamed" the scapegoat for their sins. The scapegoat recieved their sins and was then sent off in the wilderness. It's more of a martyr than anything else. A second goat was then slaughtered as a sin offering to God. Personally, it sounds like the scapegoat got the better part of the deal. Check Leviticus chap. 16 for the details.
Somehow, the concept has been corrupted in modern English. Now we blame the scapegoat for our sins, rather than use the scapegoat to "absorb" our sins. And we tend to kill the scapegoat rather than give him his freedom. Details...
-jon
Re:Responsibility (Score:2)
This sounds like a very sensible solution. Which is probably why the courts will decide on something else. :P
Real life is all about shared responsibility. Ultimately, everyone makes his/her own choices. Other people may be able to influence you, so they share the responsibility somewhat, but you still have the choice. I think your comment summarized that nicely.
CT
Re:Responsibility (Score:4)
How does the credit card company know you're a gambling addict without profiling you? If you become an addict after they've given you the card do they still have some responsibliity? Or can they ask you to tell them you have a problem? Or can they demand you ask just a few 'personal' questions?
While credit card companies do already profile thier users spending habits to a certain extent to make sure that the card has not been lost or stolen (i.e. I spend $4000 one day after averaging $100/month for that last year they will tell the next merchant to call you) I would find the sort of tracking where they ask me questions periodically too intrusive. And I suspect so would a large number of other people. Thus a credit card company has no way to know if you're an addict. Even then, would you want them to know? They would probably never give you credit again, and trash your credit record.
In this vein, there was a proposed law (it may have been a bank initiative) a little while ago that would require banks to be able to predict the spending of thier customers. It drew plenty of fire from privacy advocates, with good reason -Its nobodies business what I do with my money.
By asking corporations to be responsible for the habits of thier customers, in cases like this (faulty breaks are a different matter), you are not only inviting but forcing the corporation to take a much larger interest in your private life then I suspect you would like.
-locust
Re:What happened in a Starbucks bathroom? (Score:2)
Some guy had his 'member' mangled by the toilet seat, so is suing for quite a large sum, his wife is suing as well for ummm, obvious reasons...
Kintanon
Re:Okay...this guy needs to be KILLED! (Score:2)
You misunderstand. 'Social Darwinism' is still occuring, it's just that our society is now selecting for behaviours that most of us find repugnent.
I am suing slashdot. (Score:2)
To Whom it may concern-
My life is not important anymore. My karma is -54. There is no hope for me. Meow meow meow... I just believed all the hype. The illusion of getting a +5 funny with a grits joke was just too tempting. My life goal will never be achieved. Meow.
DAMN YOU SLASHDOT! You will be hearing from my lawyers!
the other side of the infamous coffee lawsuit (Score:3)
In pre-trial discovery, her lawyers discovered that McDonald's had been sued seven hundred other times for similar injuries, and settled out of court every time, requiring the injured parties to keep quiet about the agreements.
The jury awarded Ms. Lieback $2.7M in punitive damages, but the judge reduced that to $480K, and the parties settled for even less (presumably to save everyone the hassle of going through an appeals court).
McDonald's knew they were doing something that could get them sued again and again. They had an opportunity to change their policies to prevent more lawsuits. They even had an opportunity to settle Ms. Lieback's complaint without any lawsuit or trial. They passed up their opportunities. So who was irresponsible?
Gambling Debts are Unenforceable (Score:5)
I don't have any sympathy for credit card companies that issue merchant accounts to a on-line casino. It is blindingly obvious that it will be used for lending money to gamblers.
Re:God I feel sorry for the credit card companis.. (Score:2)
Take me, for example. I'm in a very deep hole with consumer debt right now, as I've spent tons of money over the last two years starting a "real-world" job and living in one of the most expensive areas of the world. I, unlike millions of others each year, intend to pay back every cent. It's going to cost a fortune, but it sure feels better than going bankrupt, which is what stupid people end up doing because they don't feel like paying for their purchases. The companies are actually somewhat justified when people skip out on $10K, $20K and more in debt. (Things like 22% interest, excessive penalties, etc. aren't great, but they do want to make a high profit, like any business.)
Lately, however, I've seen a lot of "stupidity controls" go into place. These will allow the card companies to profit even more off the stupid. With most cards, if you miss 2 payments in a year, your interest rate jumps to the maximum allowed for the card. Idiots who charge over their credit limit (most purchases less than $50 don't require pre-authorization) are getting hit with fees and extra interest. And better yet, I keep seeing mailings sending me "checks" that encourage me to "deposit them into your account for extra cash!" How stupid do they think these people are?
All I know is this; I signed the charge slips and clicked the "Buy Now!" buttons, and it's my responsibility to pay them back. This doofus goes and blows $25K on something as silly as gambling (not even food, clothes, etc.) and then expects the card companies to forgive the debt? If I were the CEO of these companies, I'd refuse to settle and force a lawsuit, just so I could publically state to the world what a waste of space this guy is. Come on, *I* made a stupid mistake getting into debt. I'm not going to make mistake #2 and not pay for it. That's stupid.
Responsibilty on the Net (re: Patrick McNaughton) (Score:2)
Bull.
If this guy has a gambling habit, he needs to get help. The online casino doesn't know anything about him, nor does the credit card company. This isn't the same thing as a bartender kicking out a drunk, the barkeep can see the guy is a drunk, the online casino can't. Maybe the credit card company should have cut him off after they saw the $25K spent in a short time but why should they? They're in business to make money, not moral decisions for people. There are millions of gambling addicts who didn't rack up $25K in credit on the net, why should this guy get a free ride? Just because Patrick McNaughton "thought" he was only meeting somebody playing a 13 year old (which I doubt because he had child porn on his computers), why should that make a difference? If I kill somebody because I thought the guy would live through it, does that make me any less liable? Nope.
Giving people free passes to do whatever they want because it's the net or because it's on credit is the wrong path to go down. This guy should learn his lesson by working the rest of his life to pay back the money and McNaughton should do jail time because if they don't, who's to say they won't do the same thing again? After all, they didn't suffer any consequences the last time.
Re:The law (Score:2)
Consider the case of a kid who enters an unsecured construction site to tag a newly-built building. He's commiting a civil offence (trespass) and quite possible a criminal offence (criminal damage.) However, if he falls down an improperly marked and cordoned excavation and breaks his back he still has the right to sue the site owners for negligence.
Nick
Re:Responsibility (Score:2)
Blame? (Score:3)
It's a thought to consider. A person or group of people, angered at the possible loopholes offered by these major companies to known online casinos, file suit to insure everyone is playing by the rules. Rational & reasonable.
But, that isn't the case.
A gambler lost a large sum of money at his own discretion, and is clutching at straws to get himself out of paying his debt. Period.
American Express didn't enter his Card number on the site.
Discover didn't agree to the Terms & Conditions of the site.
Neither suggested amassing a $25k IOU.
The article failed to note that, even if the CC's were not involved, he would still have an impressive debt to pay off. Where would the finger point then?
To quote the ZDnet story [zdnet.com]:
A California man who lost $25,000 gambling online has sued American Express and Discover Financial Services, arguing the credit card companies encouraged his gambling.
Hmmm. Had he pissed away his son's college fund in Vegas, would the Casino be under fire for encouragment from free drinks & "Really Pretty Lights?". What about his travel agent for encouraging a trip to vegas? What about that guy at the bank that encouragingly discussed his great luck at the slots? Doubtful.
Resolution?
1) Pay the bill.
2) Cut your cards.
3) Quit yer bitching. Next time, try a whiplash lawsuit instead. It's a bit more to chew on.
__________________
#include brandon.h
Re:Responsibilty on the Net (re: Patrick McNaughto (Score:2)
>Just because Patrick McNaughton "thought" he was only meeting somebody
>playing a 13 year old (which I doubt because he had child porn on his computers),
That seems equally consistant with him thinking it was someone playing a 13 year old. It's not as if he would go along with that if he weren't in to that sort of thing.
How is his having actual child porn on his computer consistant with his thinking it was somebody playing a 13yr old? If he had the 13 year old girls on his computer, that makes it more likely that he's into 13 year olds, not people playing 13 year olds. I've seen pics of older people dressing up as youngsters, I'd believe that was his thing if he had pics like that.
Re:Responsibility (Score:2)
This isn't about "protecting". Quite the opposite. It's about refusing to shelter someone from their behaviour, by deferring their losses in some kind of credit system.
I don't care what you, or anyone else, spends their money on, but I see it as pointless, futile and inane to throw money at addicts in the hope that they'll be resposible with it. Reality Check here! They wouldn't be addicts, if they were being responsible! You can't be both! Addiction is a disease, which attacks the responsibility glands.
Nobody has the right to say what you spend your cash on, but you would probably be glad if they didn't loan you a few thousand, if you were going to blow the lot on booze, drugs or gambling, and they were aware that that was likely. I believe you'd much rather they waited until some other time, so you could spend it on something you -wanted-, rather on compulsively filling some void.
Re:Q: Who would bet $25k in online gambling? (Score:2)
Re:Responsibility (Score:2)
The premise of the credit card's responsibility is that they had the ability to determine either that the person was an addict, or that something was seriously amiss. (And I think they'd know if he was a Donald Trump wannabe.) Also note that the argument is that responsibility is distributed, not focussed.
If the credit card company could not reasonably have known, then they had no reasonable responsibility. However, addicts are rarely made in a day, except in cases of serious head injuries or other extreme trauma. It's usually a life-long debilitating disease, starting from childhood. In the first case, the responsibility of the credit card company would be rendered 0%, and the 10% they would have had would shift entirely onto the gambler.
In the second case, their credit history (which will be quite detailed) would make it abundantly clear to anyone that this person had a serious problem. A problem that had not prevented them from paying bills, so far, but which made them a bad risk, in the extreme. Choosing a bad risk is definitely up to the credit card company. Nobody can -make- them issue a card, they did so of their own free will, knowing the credit history of the person involved. That's worth a good 10% of responsibility for negligence, in my book, though no more. The bulk of responsibility is always with the person.
I'm not going to get into a "who knows more addicts" pissing contest. That's childish and immature. I'll just say that IMHO, the Big Book is as near the definitive work on addiction as has ever been written. And it's amazingly easy to spot addicts. If they say one thing, and do the opposite, repeatedly, no matter how hard they try, they're addicts. Doubly so if they try and justify or blame others.
Bullshit (Score:2)
(Assuming everyone is in the US...)
That is utter bullshit. After ten years all references to this event must be wiped from her credit report. If some credit bureau refuses to remove the negative information, they could find themselves at the end of a very nasty lawsuit for violation of the FCRA and possibly even defamation.
That means that, at worst, her slate will be wiped clean in 10 years.
However, even in the interrim this is hardly a "kiss of death." Her problems might have been due to transient financial problems which no longer apply. (The classic examples are major illness, divorce, job loss.) She might have been a struggling college student and now settled into a new career and fairly affluent. She might have one the lottery, or come into an inheritence. Most creditors will take all of this into consideration.
Finally, while you have been busy on your soapbox some companies have made a bundle on "marginal credit" for people such as this. She would have no problem getting a secured credit card, for instance, since refusal to pay would simply result in her account being closed and a check for the remainder of her deposit being sent. House and car loans are also possible, albeit at a higher interest rate (by several points, typically), plus extra points and a larger down payment.
Don't trust intentionally-biased sources. (Score:2)
Read the alt.drugs.caffeine FAQ. McDonald's was not unusual in the temperature used to prepare their coffe.
Remember also that the person who order the hot coffee did not have it spilled on them by a McDonald's employee. The woman in question was the passenger in a stopped car who place it between her legs, took the lid off and then spilled it. An intelligent person might have noticed "Gee, this coffee isn't cold" and been careful.
The 700 previous times looks very impressive until you actually do some math. Those 700 cases were over a 10 year period. Even assuming each of the 25,000 McDonalds restaurants sold only 10 cups of a coffee a day, for every single person who had a problem, 1.3 million people did not! This is not the sign of a killer product...
(Note also that your average McDonalds probably sells the 10 cups/day I used in 15 minutes during the breakfast rush, making the real accident rate significantly lower. )
I'd be amazed if they didn't have a similar number of little kids poking each other with forks, people slipping on ice and the countless other things that happen when you're serving millions of people on a daily basis.
McDonalds was also unfair (Score:2)
The problem is that people don't think about their actions and don't take responsibility. It's not as if the drive-through worker dumped the coffee on her. The woman in question was the passenger in a motionless car, she got the coffee, placed it between her legs, pulled the lid off and only noticed it was hot when she then spilled it. That's being a klutz, not a victim.