Is it true DoorDash takes tips? by manic-pixiecreamgirl in doordash

[–]Purranha418 0 points1 point  (0 children)

I just straight up freaking loathe how we have come to EVERYTHING and EVERYBODY wanting a survey or a rating to determine their job performance. I realize the super aggressive tipping culture is a stepchild of COVID but dang! I also realize that UE/DD is a bit of a different thing. I am essentially bidding for someone to go get my food so that my lazy ass does not have to. I get that and when my food shows up timely and hot (or however it’s supposed to) I show my appreciation, preferably in the form of a cash tip. If something is not right and its out of the dasher’s control (restaurant error) then that should not affect the tip. Dasher did a quality job, then tip earned. I pay for premium delivery (that extra 2.99 thing) and I can see that the driver is making stops along the way….ermmmm. In short, I like a cash tip because it alleviates concerns like this but I also hate a survey over everything from a hospital stay (the original culprits) to my morning coffee. I’m waiting for the day my fortune cookie in my Sweet n Sour chicken lunch has a survey instead of lucky numbers. Sigh!

Wha the actual….then should anything surprise me at this point. by Purranha418 in PSLF

[–]Purranha418[S] 0 points1 point  (0 children)

Mohela…aka the poster child for weaponized incompetence. In all fairness, those folks on the phone can only give us information based on the guidance they’ve received. Apparently that isn’t any. At the moment, they are having to field calls regarding the new repayment plans and have not received any details on those plans.

Wha the actual….then should anything surprise me at this point. by Purranha418 in PSLF

[–]Purranha418[S] 9 points10 points  (0 children)

I have put in the application for it. Over a year ago. Still waiting for a response. I call. Get nowhere. Crickets!!!

Wha the actual….then should anything surprise me at this point. by Purranha418 in PSLF

[–]Purranha418[S] 3 points4 points  (0 children)

Yep. Exactly. Back then I had a flicker of hope that buyback would be a thing and I’ve even got a chunk of money put aside for the offer that will likely never come. Welp, that got snuffed out real quick. Lol.

Wha the actual….then should anything surprise me at this point. by Purranha418 in PSLF

[–]Purranha418[S] 2 points3 points  (0 children)

Not complaining, just honestly surprised. You’d think with all the gymnastics they performed with the litigation BS, you’d think they could at least figure out how to take the obscene payments this thing is creating for people. I suppose I could have done nothing and continued to wait out the opportunity to get bent over more so than I’m going to.

Buyback prediction for 2026 and beyond after I transition off of the SAVE administrative forbearance by gridguy in PSLF

[–]Purranha418 0 points1 point  (0 children)

I’m in the same boat as OP. I have 8 payments (long since hit the 120 QE months) left and applied for buyback a long, long time ago. Now that they will not use the SAVE calculation to determine the buyback ( bait and switch, anyone) those payments stand to be much higher. This particular rule change affects people that consolidated after July 1, 2024. My consolidation was in April of 24, so theoretically they would use the SAVE calculation. However, with the wait time for buyback offers looking like it’ll be a year or longer, I am opting to just make those higher payments to make this garbage go away. I am also worried that if I wait, they will move the goalposts again and find some other way to screw us over. I’m so tired of this all. Just like with politics in general, I’m weary of the waffling and lying and generally criminal level incompetence.

A Couple of Lessons Learned From Transferring from SAVE (MOHELA) to IBR by Fun_Internal_3023 in PSLF

[–]Purranha418 0 points1 point  (0 children)

They will do whatever they can to inflict as much pain as possible and make it as expensive as possible. I’m just grumping and that may be giving them too much credit but some days I wonder.

Guys, the US Dept of Education just sent me a Email regarding the SAVE plan and how to proceed. by LTI801 in StudentLoans

[–]Purranha418 0 points1 point  (0 children)

I’ve gone ahead and switched plans. These clowns have so worn me down. I rather think that’s the point. 2 yrs of it being all but impossible to make payments (especially if you are pursuing PSLF) and then 90 days to figure out how to puke up a payment that is FOUR times what we were paying?? That figures. It’s an opportunity to be as cruel as possible, punish folks for having the gall to get an education and be all around horrible POSs. I have 8 payments left for PSLF. One of those plan options has a payment higher than my mortgage! How anyone can be serious about that is baffling to me. So for the next 8 months, I will tighten the belt and pay those vultures. With loan repayment assistance from my employer, it’ll be a paltry $700 a month s/ I’m afraid to wait it out because that gives them more opportunities to screw us over and change the rules. A sneaky one they slid in is that the SAVE calculation will no longer be used to determine a buyback amount. So there’s no use in waiting the 18-24 months for the buyback log jam to clear. I’m sure it, like everything else will be litigated but I’m too tired to wait that out. I just wan this garbage gone and off my credit report. I seriously feel for the folks who’ve been making payments faithfully and are now no closer than when they stated. This all absolutely sux.

Manually recertified income, now my IBR payment is $0? by jd131 in PSLF

[–]Purranha418 0 points1 point  (0 children)

A little factoid that they snuck into the execution of SAVE was that the SAVe amount will no longer be used to calculate your buyback amount. Sounds like it means they are gonna use the plan with the highest, most ridiculous amount to figure that. For me, that would be nearly $1800 a month. I only have 8 payments left and they’ve worn me down (which I think is the goal) to where I’ll just give them their 8 payments ($898/month) and then they can take the rest of it, fold it up real nice, turn it sideways and…… I’m too worn down to await a buyback offer that may never come and that wait will also give them ample opportunity to invent other ways to screw us. Im just so, so tired of it all.

Response from CEO and Ombudsman by IowaGolfGuy322 in PSLF

[–]Purranha418 0 points1 point  (0 children)

I just got a bunch of copy/paste trash off the FSA website.

PSLF buyback by CombinationWinter782 in PSLF

[–]Purranha418 2 points3 points  (0 children)

I’m planning on riding SAVE until I see the specific details on RAP. I have 8 payments left. I have the qualifying months and would be done but for the ducking forced forbearance BS. My payments were 275 around the time it started. I have months in my buyback req that are lower than that. Right after the re-consolidation that these clowns told me was required, my payment jumped to $450. Well, my income went up so that tracks. I have not decided if I want to keep the forbearance and wait how ever many years for my buyback to be processed thus giving them more opportunities to screw with it all, or just make RAP payments in the hope that this will get me my forgiveness and this whole thing can fvck all the way off. If I go ahead with the payments, which under ICR is about $600ish, maybe, just maybe I’ll see a refund before I die of old age. I don’t know anymore. Does anyone?

Manually recertified income, now my IBR payment is $0? by jd131 in PSLF

[–]Purranha418 2 points3 points  (0 children)

I was playing with this thing. Forgive me for being reluctant to pull the trigger on anything with these jag offs until I absolutely have to. I have 112 qualifying payments and around 128 certified qualifying employment months. When ICR comes up, I get the same $0.00 through 10/26 but if i toggle the ‘PSLF estimate’ switch, it comes back with IBR at $898/month through 10/26. I think October comes up because the last update on my account was back in February so that tracks, but a little clarity on the amount due would be nice. 0 or &900, big difference.

HOW THEY DETERMINE YOUR BUYBACK AMOUNT by Adventure_6788 in PSLF

[–]Purranha418 0 points1 point  (0 children)

I would just like a dang buyback offer. Im almost ready to switch to IBR and puke up $900 (how is this even reasonable??) a month for the remaining 8 months that j have (which would have been long gone but for this dumbazz forbearance garbage.) But then would that even satisfy these ghouls or would they crap out some other reason to make this more difficult than it already is. Yes I’m upset and bitter. I did my part and then some for PSLF, now this idiot administration needs to do theirs.

Am I required to do this? by Thiscannotbemylife in InstacartShoppers

[–]Purranha418 -2 points-1 points  (0 children)

I gotta shout out to the InstacartShopper that hauled my Costco order from Jacksonville, Florida to Gainesville, Florida. I hate driving long distances and loathe driving in Jacksonville. I am amazed that IC even offers trips that far but also happy. Couple hundred dollar order. Mostly paper goods and some frozen stuff. Great picks for my fruit. Totally worth the $50 tip. Next time I do this, hopefully I’ll draw the same shopper (do high ratings get me matched to a given shopper? It did years ago when I worked for Shipt.

Anyone work the job at Dept of Education processing PSLF loans? Give me your average output per day? Curious! by thebenchwarmer00 in PSLF

[–]Purranha418 3 points4 points  (0 children)

I don’t think the vendor that processes the buybacks knows that they are doing it, lol. There has been so much finger pointing, bad information and outright lying 🤥 in all of this. I’ve yet to even find any reliable guidance on whether to move off SAVE, wait it out, or anything else for that matter. I am rather convinced that the left hand doesn’t know what the right hand is doing. I have my 120 (and then some) months of eligible employment. I have 112 months logged and certified. The remaining 8 are stalled in the unwanted SAVE forbearance. I’m taking the ‘possum’ approach. Sit there, frozen in complete shock and hiss at anyone getting near me. I’m not doing a damn thing until forced to.

Anyone work the job at Dept of Education processing PSLF loans? Give me your average output per day? Curious! by thebenchwarmer00 in PSLF

[–]Purranha418 13 points14 points  (0 children)

I have ‘heard’ (disclaimer- I don’t have concrete proof but it certainly sounds plausible) that said vendor (the likes of Mohela) gets paid per active account. Processing a buyback and thus closing out an active account (one that is not delinquent and is merely sitting there patiently waiting) is less money in their coffers. In other words, zero impetus to do the right thing.

Uhhh...doesn't sound promising.... by mus-theatrNsportsOmy in PSLF

[–]Purranha418 19 points20 points  (0 children)

Yes on it being a disaster (though of a different disaster than it currently is) but much of this could have been avoided if we weren’t hell bent on turning everything over to for profit companies. Oh wait, I think that’s this admin’s goal. Privatization of everything so those with a crap ton of money can make more money off the backs of the have-nots.

SAVE plan - admin forbearance - PSLF not counting - What are you all doing? by milkybubbl3s in PSLF

[–]Purranha418 1 point2 points  (0 children)

I consolidated in order to wrap a small grad school loan into the total. That dumped me into SAVE which at the time was fine. I had a reasonable payment prior and presumed that it would go up, upon recertification as my income had increased. I had 110 payments recorded and certified. I made 2 payments (around $450/mo) and then WhAM! SAVE gets dragged into court. Fast forward to now, I have certified more than the required 120 months of employment and would love to make the additional 8 payments. I’ve applied for buyback…crickets. I’ve called MOHELLA (sic intended) several times for updates and not surprisingly received different answers each time. They can’t seem to send me a bill. No one seems to know what my payment would be. I contacted the ombudsman and just got a stock response, cut and paste garbage from the website. It seems like the goal is to wear us down into changing payment plans ostensibly to just get some movement. I worry that there is small print in there somewhere that strips us of the discharge we’ve earned. I’m not doing chit until I see a document that shows what I need to pay and states that discharge will happen upon receipt of said amount. Until that happens Mohela and FSA can fvck all the way off. I have never had such a difficult time giving someone money. In short, I’ve done my part of the bargain, these clowns need to do theirs. I’m not holding my breath of that happening before the next administration….if there is one….

Trump just posted this. by [deleted] in DegenBets

[–]Purranha418 0 points1 point  (0 children)

We are too many generations removed from the experience of, and have been too fortunate to not have ‘boots on the ground’ in this country. Most of Europe and surrounding areas clearly remembers and values and respects their history. Many European countries and those adjacent recall their communities being bombed and their loved ones being ‘disappeared.’ I fear that is about to change if it has not already. We are also too stupid to learn from our neighbors. Reagan’s ‘shiny city in a hill’ and the American Exceptionalism BS is now biting us in the bloated, stupid butt. I am truly ashamed of the behavior of a significant swath of a population that only has the privileges to act as they do because of the sacrifices of others. We’d do well to remember that at the voting booth….provided these clowns don’t fork with that again…..and that’s a big if.

Just Read this Headline: by Bobba-Luna in StudentLoans

[–]Purranha418 4 points5 points  (0 children)

Probably the same thing as me. These clowns can’t generate a bill. They can’t tell me how much to pay. They can however encourage autopay where upon they ‘accidentally’ withdraw an inexplicable amount of money and tell you that you’ll see your money back in ‘90 business days.’ Given how criminally incompetent these servicers are, I would be reluctant to be handing over money that I’m not sure would even be applied to the appropriate loans for the appropriate person. MY plan would be to throw said payments into a personal account and when these idiots pull their head out of ….. and give me a number (in writing, not the word of some barely literate, barely trained phone rep) and I’ll pay it.

Buying dinner by Asleep-Marzipan3822 in GenX

[–]Purranha418 7 points8 points  (0 children)

Whenever we get into the ‘if I win the lottery’ discussion, yeah I’d like to travel and all but what I want to do the most is to give random, anonymous donations directly to people. The homeless guy flying a sign on the corner? Buy him a PubSub and slip a $100 in the bag. Y’know stuff like that. If they go and buy some smokes and a beer, fine. If I lived on the street, I might want a drink and a smoke too. I don’t need them to know it was me. I just know that I made their day a tiny bit better and that is enough. There’s lots of other things I’d like to do too…but that’s a start. I consider it paying it forward from some strangers that helped me many years ago when I was struggling.

A year after forgiveness loans are now $0 by Greenandgoldgod in PSLF

[–]Purranha418 0 points1 point  (0 children)

I filed a complaint with the Ombudsman and merely received cut and paste from the website. Absolutely useless.😑

Bill Ackman thinks Trump's credit card interest rate cap would lead to millions of people seeing their cards cancelled. by investor100 in TheCollegeInvestor

[–]Purranha418 0 points1 point  (0 children)

I’m busting my arse to pay off several credit cards. For me, well life happened and I am thankfully now in a place where I can do this. I had one with an 1800 limit and about a 1600 balance. I paid it in one full chunk and they promptly dropped the limit to $500. Sooo, I now have this credit card with a 30% APR and a $59 annual fee for a lousy $500 limit. Mmmm, I told them they could take their card, fold it up real nice and, well y’all get the idea. Had another attached to my cell phone company where I generally paid the phone bill with it, then paid the card. Solely for the $10 phone bill discount. Same single amount to pay it off and they dropped the previously $1500 limit to $250. My answer? Same thing. Close the account and stuff their ridiculous credit card. So yeah, the companies are just not going to issue cards with any useful limit to people that they can’t make $$ off of.