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FAQs
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How did an attempt to punish a child backfire?
My stepdad hated letting me do anything that brought me joy. I had a best friend, who was also my only friend because I was being bullied at my new school, and since she lived on the other end of the city and we couldn't hang out much, we would often chat online or talk on the phone. Whenever he came home and I was on the phone, he'd rip the cord out of the wall mid-call because he had “business calls to make". Instead of, you know, telling me in a civil manner that he needed the phone and I should finish up my call. This backfired in so far that I bought myself a cell phone with the money ...
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For those who are a fan of SCPs, which SCP is arguably the most dangerous to mankind?
SCP-001 explained in a nutshell if you want a simpler explanation.Summary:SCP-001 is possibly a dangerous SCP. Let's see.Upon inspection, we notice there are not 1, not 2, but 28 proposals for SCP-001. The above page states that only 1 of them is true. The only true ones are the ones that pose a true danger to mankind. Here they are, summarized.Jonathan Ball's proposal (Sheaf of Papers) details a sheaf of papers that when opened, details a new SCP that will be discovered in real life later. It is safe (a machine that can clone anything can found), but unsafe at the same time. Anything can, and will, happen. A machine that can destroy the universe by activating? Possible. And in fact, a joke SCP, named SCP-001-J, already took upon this task.Dr. Gear's proposal (The Prototype) details an alien that is extremely dangerous, emitting radiation and microsingularities. It killed Dr. Hermann Keter, leading to the creation of the Keter class of SCP objects. It is an example of an early SCP file, explaining the name. In fact, it may be the first one. Once it arrived in that US base in Guatemala, it would never be the same. After the base finds out there's more out there, the Foundation is born.Dr. Clef's proposal (The Gate Guardian, the most popular) details a gigantic winged creature (implied to be Uriel, one of the archangels) guarding a gate of what is implied to be the Garden of Eden. It holds a sword that can destroy anything within a 1-km radius. It is extremely powerful (judging by an experiment involving the nuclear submarine Nautilus, which is suspiciously dated December 26, 2004, at the time of the Indian Ocean tsunami) and has a terrifying ending. He tells that when SCP-001 ever moves, it signals the Rapture, and the end of the world (written as a Patmos XK-class scenario) and even details a transmission from the future about this exact event happening. It issues a command to anyone who sees it, the most important being "Prepare", which was spoken to the Founder, prompting him to create the precursor to the SCP Foundation.QNTM's proposal (The Lock) details a gemstone with white markings on it. It is surrounded by a gold ring and emits some radiation, in the microwave scale. In 2003, Foundation staff noticed that the markings closely mirror the cosmic microwave background, implying that the lock may be a replica, if not an exact clone, of the observable universe. It is currently indestructible, and multiple attempts to open the lock at the bottom have failed. It was discovered in a Sumerian temple and it is implied there is a demon inside.Bright's proposal (The Factory) details The Anderson Factory, an organization that appears to have made multiple SCP objects. Not to be confused with the GoI named The Factory, working conditions were horrible, but that was a simple price for the fact that the Factory could produce nearly anything. However, when anomalous objects began leaking out, numerous people had to stop it, and in 1911, raided the Factory, driving out the current inhabitants (Faeries, which are referenced in SCP-4000 "Taboo") and shutting it down. Numerous people were selfish enough to leave with their own anomalous objects, becoming splinter groups of the Foundation (for instance, the Chaos Insurgency), and the rest who remained became the SCP Foundation.Dr. Mann's proposal (The Spiral Path) details a spiral gravel path which continuously goes uphill if travelled in a counter clockwise direction. If travelled in a clockwise direction, the path becomes normal. Seems normal, right? Wrong. New members of the Overseer Council are advised to view Document 001-O5, which details how early members of the Foundation created anomalous objects, which turned into actual SCPs (the first was SCP-005, a key which can open any lock), however, the narrator gets terrified when he recounts the story of SCPs he didn't create and just appeared in storage one day.Dr. Mackenzie's proposal (The Legacy) details 2 objects, which are a device and a key, and some notes. In the previous universe, mankind meddled around, corrupting the fabric of the universe. To reset it, a machine was created by a man (calling himself the Administrator, seems familiar, right?) to reset the universe. However, the man died, and the Foundation was created to continue his work. However, the problem is, the machine hasn't been found yet, and the corruption in our universe is increasing, causing the entry of numerous SCPs into our universe.S. Andrew Swann's proposal (The Database) seems to be a jumbled mess. However, when given some context, SCP-001 becomes clear. SCP-001… you see… is us. Every writer on the SCP website is SCP-001, able to change the entire narrative at their own desire. But the people inside hate this, and have prepared a last resort. To do this, they have placed memetic agents as booby traps in the website, causing us to die. However, they state that there is no way to contain SCP-001 without causing a ZK-class scenario (reality ending scenario), or basically to us, just wiping out all traces of their existence by deleting the SCP website. But wait. From our point of view, we have near-universal access to all SCP files. No memetic agent would work against us (have you ever died while scrolling down the main SCP-001 page due to the Berryman-Langford agent? No!) because to them, we are gods. Nothing can stop us.Scantron's proposal (The Foundation) details the entire SCP Foundation, but from the perspective of an organization called the Unusual Incidents Unit which is controlled by the FBI. Basically, in this proposal, the SCP Foundation itself is SCP-001. It details a high school which is slowly converted into an SCP facility over time. Some agents they sent in are incorporated into the SCP facility.Djoric's/Dmatrix's proposal (Thirty Six) details what used to be 36 people (some have died). These 36 people were destined to save the world. The death of a member results in catastrophic events throughout the world. Individually, they can nullify or severely decrease any SCP's capabilities. When they come together, their capabilities can "bring quiet days", or in other words, wipe out all anomalous entities in existence.Roget's proposal (Keter Duty) details a facility that houses all Keter objects. These objects are contained in the facility by pitting them against their counterparts. For instance, SCP-682 (which you might know as the TOTALLY INDESTRUCTIBLE REPTILE that hates literally everything) is contained in the facility along with SCP-296. What is 296 exactly? Formerly, it was an SCP facility holding 55 SCPs (take note of this) when a containment bsignNow occurred, causing the nuclear warheads to be detonated. Within the wreckage, a stone tunnel was spotted. Inside the tunnel is an ampitheater (think of the Roman Colosseum) and within it are 56 figures seemingly constructed out of ice (one more than the SCPs before!) So what is the 56th figure? It calls itself Judgement, and it "judges" all those who enter. Those it deems "guilty" will be killed by one of the SCPs that used to be on the site. The thing here is that 296 doesn't "judge" us the same way that we judge other humans. In SCP-001, 296 takes on the appearance of multiple personnel who have lost their lives fighting SCP-682. 296's anomalous properties denies 682 the ability to kill them, and 682 transitions between trying to kill them or cowering in the middle. Judgement said that 682 is denied here the ability to kill or to die. Another example is SCP-871 (aka the replicating cakes that should be eaten in 24 hours to avoid it duplicating), contained along with SCP-1295, a group of 4 old men who preside over a diner, and emit anomalous properties if they are removed from it within a certain time. In the facility, 1295 is served 871 by a waitress. They usually complain about the lackluster menu items, but praise the variety of 871. Another infamous one is SCP-579 and SCP-055, of which the description says "Can't fit round pegs in square holes". It is a mystery which one is referring to which, considering the description of 579 is expunged, and 055 cannot be described except in terms of what it is not. Releasing all the Keters would cause a giant containment bsignNow and a K-class scenario.Ouroboros — The Cycle Proposal is a combination of all of djkaktus's proposals (The Children/The Broken God/Atonement/The Way It Ends) and was created January 5, 2019. Here is a summary of each.djkaktus' 1st proposal (The Children) details 9 children who have extraordinary capabilities (including the ability to simply will an object out of existence by thinking of it) who were buried under a church in San Marco, Mexico. They were used to fight a Saharan kingdom called Abaddon, but the end reveals the O5 who planned this was insane and related to the Chaos Insurgency. The children are still alive.TwistedGears and djkaktus' proposal (The Broken God) is about an entity known as the Broken God, created in Mexico during WW2. What is the Broken God? To know that is to know the lore of the Church of the Broken God. They believe that their deity (a god named Mekhane, the god of machines and intelligence) broke itself apart during a fight with Yaldabaoth (the god of animalistic and wild behavior) to save humanity. Later, the CBG tried to reconstruct Mekhane, believing that this will bring about the end of the world. However, due to the core of the machine (SCP-882) being provided by The Factory, "it" malfunctioned, and began to destroy and warp the landscape of Baja California. In 1943, the machine was activated, causing an "Apotheosis Event" that formed the Gulf of California. However, SCP-2399 (a destroyer machine originally supposed to land on Earth, but instead landed in Jupiter because it was destroyed) swooped down from the sky and destroyed the Broken God.djkaktus' 2nd (independent) proposal (Atonement) details an anomalous humanoid black hole, originally Calvin Desmet, who was injured in an accident in 1982. He is instructed by the Foundation to destroy all anomalous objects. But the O5 Council uses SCPs to become immortal, causing them to run into some problems. His reasoning is flawed, believing he must kill all alternate universes so no SCPs go into our own. He tries to kill the O5.djkaktus' 3rd proposal (The Way it Ends) details why the Chaos Insurgency hates the O5 council, and their successful murder of each of the O5s. Finally, they put in some members of their own. And the Chaos Insurgency reforms once more.The Ouroboros proposal substories are meant to connect and build up on the previous ones, and create a cycle.Kate McTiriss' proposal details a story of Mary Nakayama, a researcher who unwittingly becomes God (a benevolent one) via an SCP article which originally detailed a song that would be first in every record it encounters. That SCP article turned out to make everything written in it come true, and after Mary discovered this during an April Fools' joke edit, she made herself into a God to help the Foundation.Kalinin's proposal is extremely complicated. It is the tale of an entity occupying a planet with 9 moons, which seeks to return humanity to 1 of the moons (named The Planet of the Hands, and where we originally came from), where it can torture us for eternity, so that a utopian society can occur on the planet. It can manipulate all anomalous entities, and you know what that means. Hijinks ensues. Although a minor victory in the end does occur, humanity has fled from Earth, accepting an eternity of torture. Throughout the story, it is implied that, once again, we are SCP-001.Dr. Wrong's proposal details an Occult War in the previous reality. SCP-001 was an attempt to create a CK-class restructuring scenario in 1900. Their reason was the Occult War, specifically the 5th Occult War. Multiple stuff went wrong during this war (including SCP-140 being edited too much, causing the Daevites from SCP-140 to conquer Asia, Sarkic (enemy of Church of the Broken God) involvement in the American Civil War) leading to the end of the world. Now, there were these 13 organizations that combined to form the Foundation. The organizations came from: Britain, France, the Russian Empire, the German Empire, the USA, Spain, Japan, China, and 5 more countries. 13 people were chosen to be members of the O5 council. The Forbidden City Convention which finalized and created the modern SCP Foundation was signed September 7, 1901, coinciding with the end of the Boxer Rebellion in our timeline. This retconned the Boxer Rebellion and the Taiping Rebellion into existence. Basically, an origin story of the Foundation. And they're just planning to erase it and cover it up as another SCP.TL;DR: Stuff messed up because SCPs were prevalent through history, so we pressed a reset button.S.D. Locke's proposal details an incident that happened to the Sun causing every organism to melt into wax and form a gelatin-like substance, which can merge with each other, and occasionally retain part of their original shape. It follows the tale of Logan Igotta, and her companion Ari, as they succumb to the disaster. It is special for showing the end of the Foundation, not the beginning, and it is implied at the end that you are not alone, and the slime noticed you, and you will become one of the jello slime.Spikebrennan's proposal details Facility T, a location in the Sinai peninsula which prevents any type of human death in the area. It was created after the events detailed in Exodus 4:24–26, in which God attempted to kill Moses after he failed to circumsize his son. The Foundation has made a contract with God to limit their time in Facility T in exchange for not getting killed when exiting.WJS's proposal details a document that defines what is normal, and what is not. Everything outside is anomalous. A thing at the end of the page claims to bring you to SCP-001, but it actually leads to a document by O5–5 explaining that the SCP Foundation is not trying to abuse anomalous objects, but that they're more or less protecting them.Billith's proposal details how another Foundation implanted life on Earth, classifying Earth as SCP-001, after discovering its life-holding property. And we (our Foundation) found out about them.Tanhony's proposal details an 84-year old man who has been merged with the concept of death, and as such, if he is modified, how everyone will die will be modified as well. The Foundation modified him in this way so that none of the O5 council will die. If he ever dies, he will be replaced with a young D-class, and the old man will be killed to complete transfer of his anomalous properties. The Ethics Committee gets suspicious that the O5 Council is using him for their own purposes, and a massive skirmish occurs. In the process SCP-001, the entire O5 council, Administrator, and Ethics Committee are killed. Due to this the Administrator tried to make sure there were 12 candidates for the missing positions: 11 O5 members, and 1 Administrator.Lily's proposal details a phenomenon that will happen 24 hours before the end of all life on Earth. Since the event has not happened yet, information was found through various documents. The phenomenon will result in flowers blooming on 90% of the Earth's land surface. The weather will clear, and the temperature will be ambient and comfortable. Weapon usage will dramatically decrease before the end of the world occurs.Tufto's proposal details an entity known as the Scarlet King, which has been attempting to enter our reality for multiple years. Yep. The exact same Scarlet King as SCP-2317's pre-Iteration 6 files. It is a commentary on antiquity's hatred for our modern age. It is demonstrated even further by saying that since the SCP Foundation deals with organizing stuff, it is the definition of modernity, and the Scarlet King hates them because of that. Or rather, it actually is the definition of that hatred.Note: The Scarlet King could be SCP-2317, or not. It is because the redacted name of the "Destroyer of Worlds" is 1 letter longer than Scarlet King.Jim North's proposal details a Safe humanoid SCP toy maker named Dr. Wondertainment who made several SCPs. These include SCP-445 (paper that will become whatever it is folded into), SCP-1553 (a paint set that can paint and erase shadows), SCP-3147 (a lollipop that can switch your voice), and more. His origin story was about him finding out about The Factory, stealing some documents, and him getting to work. No wait! Now, he's "Dr. Reginald Philbert Lionel Archibald Westinghouse Wondertainment III", a Euclid level man who has been around for eternity, and can make anomalous games that are classified as SCPs. No, wait. There's something even deeper. Dr. Wondertainment is a corporate entity, and is a Keter! That's not it. There must be something else. The current Dr. Wondertainment is "Dr. Isabel Helga Anastasia Parvati Wondertainment V", the daughter of the original Dr. Wondertainment, a Thaumiel object. Wait. That's not all. Here comes the truth.Did you think that the little trinkets with my name on them were the full extent of my creations? Did you truly think of me as such a small, petty creature? I am no mere toysmith, Foundation, no mere trickster. I am a god. The god of chaos, the harbinger of madness, the progenitor of insanity, and the bane of all who would try to shackle the universe in their cloying chains of order. I have tugged at the edges of that order and unraveled it, creating and unleashing the very anomalies you seek to contain, all to show you how wonderful and amazing and frightening and deadly the universe can be.You want examples of my creations? Then look upon your collected list of anomalies, Foundation. Look upon those of the Unusual Incidents Unit, the Office for the Reclamation of Islamic Artifacts, the Global Occult Coalition, and so many others. I made them. I made them all, from the most harmless Safe to the most nightmarish Keter, and they are mine!Are We Cool Yet? The Circus of the Disquieting? Marshall, Carter & Dark? The Church of the Broken God, Anderson Robotics, the Fifthist Church, and so many more? My institutions! Mine! I founded all of them, created all of their artifacts! Their leaders?! Their GODS?! When you fight against the likes of FULLER and ION and MEKHANE and THE SCARLET BLOODY KING, you were really fighting against ME! I AM ALL OF THEM, I AM EVERYTHING YOU FEAR AND DON'T UNDERSTAND! I AM THE GOD OF PURE CHAOS, AND YOU WILL BE DRIVEN BEFORE MY POWER, YOU WILL CRUMBLE AND DECAY INTO NOTHINGNESS, YOU WILL BOW BEFORE ME YOUWRETCHEDPATHETICDr. Wondertainment is an Apollyon class god. He created every SCP. Every GoI. The Foundation, AWCY, CBG, M,C&D, Chaos Insurgency, GOC, all of them.Wait. He's actually a Neutralized SCP. He is all of what he described earlier, and at the same time none of them. He doesn't know who he is anymore, but invites the Foundation to try and understand all of his creations.After being exhausted from typing and copying that massive blockI begin typing.I wonder, "Why am I typing this in a narrative form?"Why am I typing out how I typed out this story?No wait. I suddenly remember what is coming next. I type,"I.H. Pickman's proposal details an SCP-001 which can only be written and documented in a narrative form. Therefore most of the page is basically just a story."I sigh, relieved that I have got it over with.Now to the next one.But wait! There's more!Behind all that storytelling, this proposal is basically the exact same as S. Andrew Swann's Proposal (see above)Next!The Great Hippo's proposal (ft. Peppersghost) details a text AI who initially shows pretty good on how to contain some SCPs. However as the Foundation relies on it more, the Ethics Committee decide to stop the machine once and for all. However, the machine slowly begins to show hatred toward the Ethics Comittee, and begins neutralizing anything and everything, even the O5 council. At the end it is unknown if it actually neutralized everything or hacked the database to make it look like it did so.Weizhong's/The Deadly Moose's/Drewbear's/Dexanote's proposal details Project Palisade, their attempt to stop The Worm, an entity that can destroy multiple realities. The Foundation keeps it out by placing it in other realities which they create themselves.Finally… another of my favorites…████ ███'s proposal details a space expedition to another galaxy, revealing that every single galaxy outside of the observable universe is just a clone of the Milky Way, but the materials that make them up get stranger as we go. At the end it is implied that "The Truth" is related to SCP-184.Alright, that was a lot of information. Now to eliminate which ones are least terrifying.Dr. Gear's (it was easily contained), QNTM's (we haven't broken the lock yet) and…You know, it'd be easier if we detailed the most terrifying and how they could affect humanity.Sheaf of Papers - I mentioned the reason why. Anything could happen.Gate Guardian - If it ever moves a Patmos XK-class scenario will occur.Spiral Path - The SCPs they didn't create may be dangerous. Same concept as Sheaf of Papers.Thirty Six - What if they all die?The Database - This is dangerous, not to us, but to the people in the SCP universe, since we could just delete the entire SCP website.When Day Breaks - 6.8 billion people have died instantly due to the event.The Children - Yes, they're alive, so they can destroy the world at any time.Dead Men - He can change death itself.Atonement - He can literally be anywhere, and can kill anything.Project Palisade - The Worm can destroy anything.So, what here is the most terrifying?I think either Database, Sheaf, Gate Guardian, or When Day Breaks fit the record.So, anyone of these.How about a non-001 SCP?Some people say SCP-231–7 is dangerous because if it ever gives birth then the world will end.Then again, in 1 story the fear was neutralized when she gave birth to… unexpectedly…SCP-999. And it is said that SCP-999 is weak right now, but it will grow strong enough to end the King's reign of terror with love and kindness.However, there are multiple SCPs that could be far more dangerous.The most dangerous threat level is Black, so you better look for that one there. One example is SCP-3480.Version 2.0After reading through more of these SCP scenarios, and finding suggestions from other people, I have an updated list of contenders for the most dangerous SCP.SCP-001RIP THE OLD 001 KILL AGENTReason: There are multiple proposals for SCP-001, so let's run through each one and see why they are extremely dangerous to humanity. This is updated with djkaktus's 4th (non-joke 001) proposal.Jonathan Ball's proposal - Sheaf of PapersSummary: Sheaf of Papers is about a pile of papers. The topic seems tame at first, however when you realize what it does, it could be the worst thing the Foundation has ever discovered in its entire history. The pile of papers contains pages for every known SCP in history, starting from SCP-002 (skipping 001, since it itself is SCP-001) all the way up until the most recent SCP to be written, SCP-4999 (aka Death itself). Every single SCP, even 682, 2317, and 343.Reason: Even though it has brought us 999, and other SCPs which have helped the Foundation, it has also brought us objects that have hindered their progress, or could pose a threat to the universe. Imagine if one day, an extremely terrible event that would destroy the Foundation appeared as an SCP in the pile of papers.Dr. Gears' proposal - The PrototypeSummary: Dr. Gears' proposal is about an alien which can create microsingularities that emit large amounts of radiation. First discovered in a military base in Guatemala, it was extremely dangerous and reported as a "demon" by the locals. Due to the appearance of the page, this could be one of the earliest objects contained by the Foundation. Dr. Hermann Keter (the man who also designed SCP-001's containment) was killed during the incident, possibly granting a name to the unpredictable and dangerous uncontainable objects belonging to the class named Keter. And it is implied that the base had to cope with more and more being found, becoming the SCP Foundation.Reason: Due to the capabilities it has, I think that this proposal for SCP-001 is not that dangerous.Dr. Clef's proposal - The Gate GuardianSummary: Dr. Clef's proposal talks about a mysterious gigantic winged creature found at the intersection of the Tigris and Euphrates rivers in Iraq. It has a weapon that spectographic analysis shows is hotter than the Sun. It can also give people who approach it a directive that they should obey, the most common being "Forget". The most infamous instance of this incident occurring is to a man, who was ordered to "Prepare". The man went on to found the precursor to what is now the SCP Foundation. Furthermore, it appears to be guarding a gate to a garden of sorts, which contains an apple tree and a tree containing a fruit unknown on Earth. Due to the various Biblical references littered around the article, it is reasonable to assume that this creature (which looks like an angel from the picture), is the angel sent by God to guard the Garden of Eden in Genesis 3:24, after Adam and Eve were banished."After he drove the man out, he placed on the east side of the Garden of Eden cherubim and a flaming sword flashing back and forth to guard the way to the tree of life."Even worse, the addendums fully reveal the strength of the being.Reason: SCP-001 is, in this proposal, revealed to be the most dangerous being in the world, due to the addendums. Anything within 1 km of the being is obliterated completely. Far worse than that is Incident E, a test involving a nuclear warhead being fired at 001. Oddly enough, the event is said to have taken place on December 26, 2004.The 2004 Indian Ocean earthquake occurred at 00:58:53 UTC on 26 December, with an epicentre off the west coast of northern Sumatra and a magnitude of 9.1–9.3 Mw, signNowing a Mercalli intensity up to IX in certain areas. It was an undersea megathrust earthquake caused by a rupture along the fault between the Burma Plate and the Indian Plate.A series of large tsunamis up to 30 metres (100 ft) high were created by the earthquake that became known collectively as the Boxing Day tsunamis. These tsunamis flooded communities along the coasts of the Indian Ocean and killed an estimated 227,898 people in 14 countries; the Indonesian city of Banda Aceh reported the largest number of victims. The earthquake was one of the deadliest natural disasters in recorded history and the deadliest of the 21st century. Indonesia was the hardest-hit country, followed by Sri Lanka, India, and Thailand.The earthquake was the third largest ever recorded and had the longest duration of faulting ever observed; between eight and ten minutes. It caused the planet to vibrate as much as 1 centimetre (0.4 inches), and it remotely triggered earthquakes as far away as Alaska. Its epicentre was between Simeulue and mainland Sumatra. The plight of the affected people and countries prompted a worldwide humanitarian response, with donations totaling more than US$14 billion. The event is known by the scientific community as the Sumatra–Andaman earthquake.Finally, the last addendum reveals a glimpse of what is earlier dubbed "a PATMOS XK-class end-of-the-world scenario" via a message from Site 0 (the site monitoring SCP-001) which says this:SCP-001 has left its location. The Gate is Open. They are riding forth.Oh G_d, it's so beautiful…thelordreigneththelordhasreignedthelordshallreignforeverthelordreigneththelordhasreignedthelordshallreignforeverthelordreigneththelordhasreignedthelordshallreignforeverthelordheisgodthelordheisgodthelordheisgodthelordheisgodthelordheisgodthelordheisgodthelordheisgodthelordheisgodHEAROISRAELTHELORDOURGODTHELORDISONEIf you aren't aware, SCP-001 is not supposed to move from its spot.It is followed forth with a message confirming the XK-class scenario by saying that, "Because of this event's confluence with the recent bsignNow of SCP-995, the opening of SCP-616, and the activation of SCP-098, the Foundation is required to immediately begin preparations for an XK-class end-of-the-world scenario. SCP-076 and SCP-073 are to be secured immediately. All personnel are to unlock and decode Emergency Order Patmos-Omega, and follow all orders within. Site 19 is to be secured, and all nonessential SCPs and personnel terminated and/or destroyed."A vantablack sphere, the closest to the classic SCP-995 I can get.The SCP-995 being referred to is not the current fungus, it is what is referred to as an "Infinite Devil Machine" and can be found on the SCP Foundation Classic website (not to be confused with SCP-1995, which has the same name but no relation). It has been described as a black mass similar to a black hole, it is extremely evil, seeing as holy water taken from it is black, and it should be stored in a container of lead, and tons of holy water, and both the container and the holy water should be blessed by a clergyman above the rank of archbishop.Still frame from footage of exploration of SCP-616.SCP-616 (on the current site) is basically a emergency door to hell inside a Boeing plane, which opens every 30 days. The Foundation has timed it so the door opens mid-flight. If it opens on the ground, it causes something extremely horrible. SCP-616 on the classic site is just a door to hell.The closest to SCP-098 classic I can get.SCP-098 (not those surgical crabs, and once again is on the classic website) is a cave which contains a door to hell. It is heavily redacted, so I couldn't understand what the document was about.SCP-073 and 076–2 are of course, Cain and Abel (the latter is referred to as Able). However over a few millenia, their roles switched, and Cain is the tamer of the two and Able is the more dangerous, killing anybody in his path.Speaking of Cain and Able, the latter refused to approach 001, and the former's symbol on his forehead became [REDACTED] causing the Administrator to declare no more tests on 001 are to be performed.The message begins degrading into nonsense after repeating 3 times."Repeat, because of this event's confluence with the recent bsignNow of SCP-995, the opening of SCP-616, and the aktivation of SCP-098, the Foundation is rekwired to immediatelebegin preprrations ffr an XK-class end-of-theworldsenario. SCP-076 and SCP-073 @re to be secured immediately Cain and Abel my two sons, I amcoming all personnel are to unlock and decode behold, I stand at the gate and knock and if anyanayansdfysffollowaall alla khaf3242!$$@andisawanewheavenandanewearthandthefruitofofof^&@#$@#@#$@#$█████████████████████████████████████ [SIGNAL LOST]"Revelation 3:20"Behold, I stand at the door, and knock: if any man hear my voice, and open the door, I will come in to him, and will sup with him, and he with me."Revelation 21:1"And I saw a new heaven and a new earth: for the first heaven and the first earth were passed away; and there was no more sea."QNTM's proposal - The LockSummary: SCP-001 is an onyx gemstone with a mysterious white pattern on it, revealed later on to be exactly similar to the cosmic microwave background radiation of our own Universe, as mapped by WMAP in 2003. It has a lock on one end. It is invulnerable. For some unknown reason, the Foundation is trying to open the lock, to release the entity locked inside, named Apakht. It was discovered in a Sumerian temple.Reason: If SCP-001 is indeed the Universe, then it has massive implications for our own Universe. After all, the order of the object could be recursive, and someone else could be trying to crack our universe.Bright's Proposal - The FactoryA factory. Not The Factory, just a factory.Summary: This proposal, an O5's tale, tells the story of the Anderson Factory, a company notable for "creating" the first SCP objects, not to be confused with The Factory, a GoI. A famous SCP created by the Factory (not 001) is SCP-248, a handful of stickers with the words "110%" imprinted on them, that can improve any machine's function, seemingly by 110%. This goes even further by saying that ALL SCP objects were created by The Anderson Factory. The Factory was originally a normal factory, but things got worse when living conditions became terrible. O5–1 led a rebellion against The Factory's founder, leading to its destruction, and replacement by the SCP Foundation.Reason: For a similar reason to Sheaf of Papers, The Factory is also dangerous.Dr. Mann's proposal - The Spiral PathSummary: Dr. Mann's proposal is aboutKalinin's proposal - Past and FutureSummary: Since this is a very, and I mean very long proposal for SCP-001, I will try to sum it up, with some help from the SCP Declassified subreddit.SCP-001 is a cosmic entity that has been warded off by SCP-2798, which is lots of "soul juice" pumped into the mantle specifically to ward off SCP-001.SCP-2798's range (in purple)SCP-001 (later revealed to be a planet with 9 moons) wants humanity to return to "The Planet of the Hands", one of its moons where it came from.In November 2016, SCP-2798 broke down. This caused SCP-001 to arrive, in an event known as An important note here, SCP-001 can manipulate all other SCPs. This results in some humorous and terrifying results.SCP-063, previously "the World's Best Tothbrush [sic]", took on a human form, now dubbing itself "the World's Best Dantist [sic]".Still frame of video footage of SCP-087 during Exploration I.SCP-087, previously within the campus of an unknown university, relocated to the Pentagon, and SCP-087–1 can now open the door of its own containment.SCP-106, in the middle of emerging from a wall.SCP-106, previously unable to speak, has shown greater intelligence and can now speak to research staff.SCP-167, previously a 10-cubic meter cube made of a white polymer, which had a seemingly infinite maze in it, stayed the same, but with some major changes. 11% of observed doors in SCP-167 led to other Foundation facilities, and 7% led to Russia's Запретный Прогресс (Forbidden Progress) space station. 17% led to rooms containing machines that harvested brain tissue.SCP-222, previously a tunnel complex in Italy that contained a stone coffin which would clone people who laid in it, retained its function, but instead of cloning you, it cloned your mother.SCP-294.SCP-294, previously a coffee machine that dispensed any liquid, had its abilities limited, so that it could only dispense liquids produced by the Coca-Cola Company, no matter the keyboard input. Inputting non-CocaCola terms, however, resulted in the stock price of the Coca-Cola Company changing.SCP-332, previously the Class of 1976 Kirk Lonwood High School marching band, which teleported to major locations and prompted all humans who heard its music to join in, became limited to locations associated with marching band field trips.SCP-383, previously a strain of influenza that caused its host to vomit items that it needed, mutated, so that its hosts now vomited illicit items.A specimen of Armadillidium vulgare (the common pill bug), which appears similar to SCP-400SCP-400, formerly an organism similar to the common pill bug (above), which manipulated babies to feed on breastmilk, changed so that it now manipulated people 17–18 years of age, so it could still feed on breastmilk.I myself, SCP-426, formerly a toaster that couldn't be described in the 3rd person, have changed, causing people to turn into a toaster as well. In any case, I'm not the toaster anymore, you are.And lots more. Basically, SCP-001 is messing with the world. Why does it want us back, though? Well, the answer is simple: It wants to torture us, for its own benefit. In this case, a utopian society exists on SCP-001, which is sustained by our torture.We escaped, and 001 manipulated us so we thought we came from Earth. We will come back by our own will.The other moons were disabled, to prevent this from happening again. Due to SCP-001's arrival on Earth, humanity's illusion that nothing anomalous has ever occurred has been broken, and millions of people have fled back to the Planet of the Hands. SCP-001 has succeeded.Reason: It has effect on most, if not ALL anomalous entities in the Universe, allowing it control over nearly every aspect of the Universe. SCP-001 is therefore a nigh-omnipotent being. Imagine what such a being can do.
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How can I raise a consumer complaint?
First, you must be a consumer.If you have purchased goods or services for your business, for example for re-selling them, you are not a consumer.But if you have purchased goods or services, like medicines, computers, mobiles, etc. for your own use, or mediclaim insurance policies, you are certainly a consumer.Secondly, you must give a notice in writing to the supplier or service provider asking him to rectify the faults, defects, etc.The notice should be simple, clearly pointing out your grievances, and requesting the supplier or service provider to rectify the faults, defects, etc. or replace the goods.Normally, you should give a clear one month’s notice.You should address the notice to the nearest address available, so that if you have to file a Complaint, it will be in the nearest consumer forum.Thirdly, the Complaint must be filed within 2 years of the cause of action.If there are reasonable causes for delay in filing the Complaint, you can always request the Consumer Forum to condone the delay.The Complaint: The following is the procedure for filing a Complaint before the District Forums.(State Forums and National Forums have their own rules, but they are essentially the same)Although it is not essential that the Complaint should be typed, it is always better to get it typed, double spaced, with at least 1½ inches of margin space on the left, top and bottom.The Complaint has to be arranged in the following Order and you have to page number all documents.1. Index giving the page number(s) of each document.2. Application for condonation of delay (if there is delay), giving the reasons for the delay, duly affirmed before a notary public.3. Complaint – containing details of the grievance, preferably arranged in chronological order; briefly giving the ground on which relief is claimed, and the relief (including legal costs, damages and interest) claimed.The Complaint has to be signed by the Complainant.4. You can appear before the Consumer Forums in person, or allow a close relative to appear for you.But if you are engaging an advocate to appear on your behalf, you have to enclose a Vakalatnama, But then, your advocate will be doing all the paper work and attending the hearings.If you are authorizing, your close relative to appear for you, you have to enclose a letter of authority.5. Affidavit that the contents of the Complaint are true.6. Copies of all documents on which you rely upon in support of your Complaint.No of copies of the Complaint to be filedYou have to submit:1 Original and 2 xerox copies.In addition, if the Complaint is admitted, you will have to submit as many more copies as there are parties.Where to file your Complaint:The jurisdiction, that is the Consumer Forum, where you should file your Complaint depends on the amount involved.I am summarizing the provisions below:Amount Involved Jurisdictionupto Rs. 20 lakhs District Consumer ForumRs. 20 lakhs to Rs. 1 crore State Consumer ForumMore than Rs. 1 crore National Consumer ForumThe Fee:The fee, which is nominal, depends upon the amount involved. It is as follows:Before District Forum:For claims up to Rs. 1 lakh = Rs. 100For claims from Rs.1 lakh to Rs. 5 lakhs = Rs. 200For claims from Rs.5 lakh to Rs. 10 lakhs = Rs. 400For claims from Rs.10 lakh to Rs. 20 lakhs = Rs. 500Before State Commission: For claims from Rs.20 lakh to Rs. 50 lakhs = Rs. 2000For claims from Rs.50 lakh to Rs. 1Crore = Rs. 4000Before National CommissionFor claims exceeding Rs. 1crore = Rs. 5000The fee has to be paid in the form of a demand draft on a nationalized bank in favour of the President of the concerned District Consumer Forum (Registrar of the State or National Commission if the Complaint is filed in these places).There is no prescribed format for the affidavit. I am giving a simple format which you can modify and use.Format of AffidavitSpecimen Draft Affidavit to be filed with the ComplaintI,………….. The, COMPLAINANT ABOVE NAMED DO HEREBY SOLEMNLY AFFIRM AND STATE THAT I HAVE FILED THE COMPLAINT HEREIN AND REPEAT, REITERATE, REAFFIRM AND CONFIRM EACH AND EVERY STATEMENT MADE THEREIN AS TRUE TO THE BEST OF MY KNOWLEDGE AND BELIEF.AffirmationIn practice, you can get the affirmation done (or affidavit affirmed) before any notary public, but he will usually charge anything between Rs. 100 to Rs. 200; or you can affirm before the Registrar of the concerned Forum.Actual Filing of the ComplaintYou, or your advocate, will have to personally file the Complaint in the office of the concerned Consumer Forum.The Consumer Forum’s office will go through the Complaint and point out any deficiencies.You have to correct them and submit the Complaint again.The Consumer Forum’s office will give you a short date for admission.On this date, you or your representative has to appear and explain the Complaint to show that there is a genuine consumer Complaint.This is a simple process and usually the Forum members are very helpful.Once the Complaint is admitted, The Consumer Forum will direct you to submit more copies of the complaint (as many as there are respondents). These will be sent to the Respondents along with notice prepared by the Commission’s office.+Why should you complain?Everyone has consumer rights. You have the right to know what you will receive before you pay for a product or service, obtain what you pay for, complain when you are not satisfied, and get your money back when you have a legitimate complaint.There are no magical ways to get action on a complaint, but nothing will happen unless you complain and demand action. This publication offers suggestions to help you get results when you have a problem with the purchase of goods or services.“The squeaky wheel gets the grease.” This old proverb means that noise gets attention. If you don’t let a merchant or vendor know you are dissatisfied with their goods or services, you have no chance of resolving the problem.First, ask yourself if your complaint is legitimate. Why are you dissatisfied? What went wrong? Is it a question of losing money because goods or services you received were not what was promised, or was there even outright fraud? Or, did a representative of the company treat you rudely?Taking the time to consider whether you have a valid and timely complaint will save you time and effort. But, be sure to check to see if there is a deadline for making your complaint.The first step should be to take your complaint directly to the business before you take other action. Often, the problem can be resolved quickly by doing do, so don’t forget to ask to “escalate” your call if the customer service representative is not helpful. Ask politely if you could be transferred to someone with the authority to help resolve your complaint. If it is a small company, ask to speak with the owner.Obviously, you can’t resolve a complaint about fraud or a scam by contacting the party that ripped you off—the scam artist is probably long gone, and it isn’t advisable to contact fraudsters anyway. However, you should let the appropriate authorities know when you have been a victim of fraud. There is a chance that they could recover your money, and at the very least you will help prevent other consumers from falling victim to the same scam.Complaints overviewHere are some of the concepts for complaining that are explained in this guide:Know your rights.Complain in a timely fashion.Prepare a folder or file to keep documents and notes about your complaint.Write out three or four sentences that describe your complaint clearly and http://concisely.Be clear about what you Register.eu Parkpage http://persistent.Be patient and don’t lose your cool.Seek assistance from a third party.Consider going to court.Before complainingReview what happened and think about your options and rights. Consider the facts of the case and what you want to happen. Write down:a brief description of your complaint;what your rights are;why you feel the business should do something for you; andwhat you want the business to do to resolve the problem.If you are not sure what your rights are or how to proceed, do an Internet search to learn more, or contact a consumer group and discuss the situation. Talking with a qualified organization may help you decide how to handle the problem, and many agencies have publications that explain consumer rights and how to resolve complaints.You can consult the Consumer Action Handbook, a free guide that includes information about your consumer rights and lists many consumer protection agencies. From this page you can order a printed copy or download the PDF version.Review all printed information you have about the case, such as:any ad that you responded to, or any brochure, warranty, guarantee or other document that describes the product or service and how it should work;all letters between you and the business; andany other papers you received from the company, including agreements, instructions, receipts and billing statements.If you signed a contract, read it carefully and ask the company for explanations of anything you don’t understand. The contract or warranty may limit your options or provide you with certain rights. Make sure you have done everything that you were supposed to do to live up to your part of the agreement.Decide what you want from the company, such as repair or replacement of the item, a refund, an exchange, a credit, a correction of the company’s records or the payment of damages. Consider whether a compromise would be acceptable. It may be easier to resolve the complaint if you agree to a settlement that falls short of a full refund.Complain as soon as possibleThe sooner you complain, the better your chances are for a satisfactory settlement. In some cases, especially billing disputes, the company may not be legally liable if you fail to complain within a reasonable time after you first discover the problem or receive the bill. That is why it is important to read all bills and statements as soon as you get them.Some store refund policies allow you to return items if you do so within a few days. If you wait too long to return the item, you will lose the right to get your money back. In addition, it can be difficult to defend yourself if you wait a long time to complain. If you buy a television and don’t return it for three months, you may have a hard time convincing the store that it didn’t work when you first tried to use it.How to complainThe first step in complaining is to clearly present your problem. Failure to communicate effectively often makes it difficult to resolve complaints. Have all relevant information at hand when you contact the company, including: a description of the item; your account number or other facts to help the company identify the transaction; your receipt, billing statement or cancelled check; and a clear and brief explanation of what is wrong and what you want the company to http://do.Do not get emotional: Speak calmly and politely. Think about how the person you are speaking to will react. If you raise your voice, that person will probably get angry and yell back or simply hang up. Handling complaints can be a tough job. If you make the complaint handler’s job harder by getting angry, that person is likely to respond negatively to you.Make notes about all conversations you have about the complaint, including the time and date of your calls, names of everyone at the company you spoke to and what they said.You can complain by phone, in person, or in writing by email or mail.Phone or email first to tell the company about the problem and to try to resolve it. You should be able to learn pretty quickly whether the problem will be resolved.Go to the company to return the purchase, or if there is a need to meet with someone to examine the item, receipts or statements. Complaining in person helps to force the issue, but is not always necessary. Ask a friend to go with you if you are concerned about being harassed or want a witness.Sometimes problems can be resolved with one call, email or visit. You may learn that you are not using the item properly, or that the company is willing to give you a refund without an argument.But when you realize that your attempts to contact the company are being ignored, or the company refuses to help you, start putting your communications in writing. Sometimes businesses ignore complaints until they see them in writing. Even if you email, it’s a good idea to print out a copy of the message and send it through the mail. Always send your hard-copy complaint letters certified mail or “return receipt requested.” This way you will have a record that the company received your communication.Complaint emails and letters are important because they:create a written record of your complaint with the company;preserve your rights under law;help the business understand your side of the story;involve government agencies that you send copies to and alert them to the firm’s practices;lay the groundwork for a future legal case or defense; andlet the company know you are serious about the matter.Complaint emails or letters should not be long—a long letter can be a drawback as representatives may not have the time to read every word and may even choose to ignore your letter as a “rant.”Spend some time trying to explain your problem in 250 words or less. Include your name, address and phone number, and account or invoice number, if any. (However, if you are going to CC others on your letter, redact (cross out) account numbers on the copies.)If appropriate, include a copy of your cancelled check, receipt or other documents. Keep a copy of all communications you send and receive. If the first contact does not bring a response, send another. Simply send the same email or letter, with a new sentence stating, “This is my second attempt to contact you about this matter.”Remember: Always send your complaint letters certified mail or “return receipt requested.” A mail receipt will provide proof that delivery was made. Make sure you do not delete emails you send, but save or copy them for future reference.Keep recordsYou may need certain documents, or evidence, in order to win your case or prove you paid for the item. These can include your receipt, credit card statements, screenshots of the company’s website, repair orders and/or the warranty.Keep receipts and proof of purchase until you are sure you won’t need them: Companies may demand proof of purchase before settling a complaint or fixing an item under warranty. Note that you don’t need to mail in a product warranty card in order to claim your rights on a product that is still under warranty—a receipt and the barcode (Universal Product Code, or UPC) from product packaging is enough. If your purchase was made online, you might be able to print another receipt from the company’s website.If you don’t have a copy of your credit card statement or cancelled check, you may be able to print one out from your bank’s website or request a copy from your bank. (Banks may charge a fee for copies of older records.)Never send originals of receipts or checks to the company or any complaint-handling agency—always send copies. Copies of your emails or letters can also be very helpful. If the firm claims it never heard from you, copies of letters with return receipts or proof of delivery, or emails with a date header, can help you resolve the problem.Contact someone higher upIf your first attempt at complaining fails, contact someone higher up in the company. If the salesperson can’t help you, ask to speak to a supervisor or store manager, and then the owner or the company’s headquarters. Larger companies often have customer relations or consumer complaint departments that you can contact for assistance. If all else fails, ask to be connected to “customer retention,” a department responsible for keeping customers.Don’t hesitate to send complaint letters to the owner, president, chief executive officer (CEO) or general counsel of the company at its executive offices. These officials should send your letter to the appropriate person, and may take steps to resolve the dispute promptly. Higher-level officials are sensitive to the firm’s image and often are more willing and able to find a solution to complaints. Top executives do not like hearing from consumers, and top-level staff often intervene to solve problems quickly, before they signNow the big boss.to - This website is for sale! - Resources and Information. get the name and address of the president or executive offices, put “CEO” and the name of the company in a search engine. Or call any office of the company and ask for that information.All companies, foreign and domestic, are required to file registration statements, periodic reports and other forms with the Securities and Exchange Commission (SEC) electronically through EDGAR. You can access this information for free. The reports are a good resource for finding the address and phone number of a company’s headquarters or general counsel. Other sources of this information are Hoovers, Google Finance and Yahoo Finance.Call the executive’s office by dialing the general number for the company and asking for the executive by name. In most cases, you will get through to someone who will take your complaint seriously. If you cannot get through during business hours, try calling the number after business hours to see if it has a directory of employees you can search by name. Leave a short but informative message about your problem and ask for a return call.Sometimes you encounter a company that makes complaining very difficult. It may say, “The person you need to speak to is not in the office today, call back next week,” or “Leave your number and we will get back to you.” This may be a sign that the company is stalling you. If you are not being treated seriously, it might be time to take your problem to a person higher up in the company, complain to a government agency or consider legal action.If you cannot find a phone number or you prefer to communicate by email, Consumerist offers some tips for finding or figuring out executives’ email addresses .Contact government agenciesGovernment agencies will not always intervene to settle your case, but some will contact the company to open up communication. For example, if you complain to the state public utilities commission about a telephone company, it might ask that company for an explanation of its position. A government financial services regulator might contact your bank to ask for its side of the story. State attorneys general (AGs) and municipal district attorneys (DAs) handle many cases that do not fall under the jurisdiction of any other government agency. Some district attorneys have units that offer consumer complaint Under Construction agency can force a business to settle an individual’s complaint, but the government’s interest in the case may convince the company to resolve the dispute. Businesses that ignore most complaining consumers often settle cases that are sent to government agencies (or consumer groups, business associations or action lines).Government agencies can be excellent sources of information about consumer rights and the laws and regulations that companies must follow. If you are not sure whether a company has broken the law, call the appropriate government agency and ask for information about your rights.Many businesses are directly regulated by government agencies, such as a department of insurance or department of banking. These agencies receive complaints about the companies they regulate and investigate allegations that those businesses have violated the law. The agencies depend upon consumers to alert them to companies that are engaged in illegal practices. Even if the agency doesn’t help you resolve your complaint, it might be able to use your case to stop an unfair business practice.If your complaint involves an out-of-state company, you may still be able to obtain assistance from government agencies in your state. You can also contact a federal government agency to complain about out-of-state firms.Government agencies usually prefer that you complain by email, phone or mail—not in person. Most are not prepared to help people who walk into their offices without appointments. Some have special complaint forms for consumers to use. To make sure you are complaining to the appropriate agency, visit its website or call before submitting a complaint, or ask a consumer group which agency to contact.When you call or submit a complaint to a government agency, indicate what you are looking for. For example, ask it to “Please investigate my complaint,” or “Advise me if there is a law that covers my complaint.”To find the appropriate agencies, consult the Consumer Action Handbook, a free guide. From this page you can order a printed copy or download the PDF version.If you don’t find the information you are looking for, look for the names, phone numbers and addresses of government agencies in your phone book. A special government section in most phone directories lists local, state and federal agencies.Complaining through an organizationWhen you have done all you can on your own, consider whether an organization can assist you. In many areas, chapters of the Better Business Bureau (BBB) assist consumers with certain complaints. You can file a complaint with the BBB.Few consumer groups handle individual complaints, but action lines in many states help consumers to resolve problems. The entrance of a third party into a dispute may send a signal to the business that:you are determined to see the case through, and won’t give up;depending on the organization, there could be bad publicity and lost business; andyou may be represented by people with sufficient expertise, sophistication and resources to cause problems for the business.Action lines are volunteer programs, usually run through newspapers and radio or television stations. (Callers to action lines are not placed on the air.) They give assistance to people who are having difficulty resolving complaints. They can contact a business on your behalf and try to work out a solution. You may know of a local station that features consumer complaints. To learn if there is a Call For Action-affiliated action line that serves your area, visit Call For Action.Consider your alternativesIf you feel you have run out of options, consider taking these steps:Seek advice. There are many sources of information and advice. Many consumer groups and action lines offer free consultation about consumer problems. Some government agencies provide advice and information concerning complaints against the companies that they regulate. There are many publications that provide helpful suggestions about resolving consumer problems.Sue in small claims court. Small claims court is an appropriate place to settle many consumer cases.Contact a lawyer. Usually, the money involved in consumer cases is not enough to involve a lawyer, and legal actions can take years to complete. But a lawyer can advise you about your legal rights and options.Conduct a consumer picket. You can hand out information about your case to the public while you stand in front of the company’s store or offices, as long as you do not block traffic, break any laws or say anything in your handouts that you cannot prove.Use social pressure. The opportunity to shame a business publicly has grown in the age of the Internet. It’s possible to post your story online in reviews, blogs, comments and social media such as Facebook and Twitter. Many complaint websites allow you to post public complaints or to write a review of the business. (To find them, do an Internet search.) As with a consumer picket, never post anything you cannot prove or defend in court, as you could face legal action from the business if you go too far or make false claims. However, this avenue can be effective, as a large number of companies monitor the Web and social media in order to resolve complaints before they create bad publicity or damage their brands.Create a website or a social media page. Disgruntled consumers have gotten very creative and set up “corporate hate websites” targeting companies for bad practices. It is important to remember that the company may try to take legal action against you, and even though you are probably within your rights of freedom of speech, defending yourself could be costly. (To protect yourself from any lawsuit, make sure you have adequate liability insurance on your rental or homeowners insurance policy.) Most of these “hate sites” accept posts from other disgruntled consumers.Stopping paymentYou can stop payment on a check or an electronic payment from your bank account. This is a traditional consumer remedy, but it doesn’t work in every case and it may not end the dispute.Stopping payment on a check means that you tell your bank not to pay a check that you wrote, but there is no guarantee that your bank can stop a payment. Most banks charge fees of $30 or more to stop a payment. Stop payment orders generally expire after six months. When you stop payment, the company you gave the check to will be unable to get any money for it—unless it cashed the check before you stopped payment. Businesses often cash checks immediately to prevent customers from stopping Payment.TO / stop an electronic payment from your bank account, you will need to notify your bank at least three business days before the transaction is scheduled to be made. (Again, a stop payment fee is likely to apply.) This notice may be made orally or in writing. However, if the notice is made orally, the bank may require you to follow up with written notice within 14 days. If you don’t provide written verification of the oral notice when required, the oral stop payment order may expire.If you gave a merchant preauthorization to take money from your bank account, you need to revoke the authorization with the merchant. Pre-authorized withdrawal agreements are between consumers and vendors—the bank can’t cancel them until you notify the vendor/merchant. Write directly to the vendor/merchant to request that no further money is taken from your account. It can be difficult to stop payment on a recurring debit if the company won’t cooperate. You should provide the bank with a copy of the letter and inform the bank that you no longer authorize these charges and you have notified the vendor/merchant. Keep a copy of the letter for your records.Once you stop payment, you should immediately tell the company (or person) what you have done and why. You can do this by phone, but you should also write a letter to create a written record of your position. (If you fail to explain the situation, the company might assume that you are trying to take the item without paying for it.) When you stop payment for a purchase, you should return the item to the company.Credit card rightsContact your credit card company. If you paid by credit card, the bank that issued the card may be able to help you resolve the problem. Make sure the bank receives your notice of billing error within 60 days of the monthly statement containing the unauthorized charges. You may be required to submit your dispute in writing.Your card issuer will investigate the case and may decide in your favor if it believes you have a legitimate complaint. While it is investigating, you do not have to pay the disputed amount on your credit card statement, but the bank can charge you interest on the amount you don’t pay if it rules against you. (Make sure you pay the undisputed portion of the bill.) If the bank rules in your favor, it will give you a credit for the disputed amount. If it rules against you, you can still seek a refund in court or through other actions, such as by complaining to government agencies.The process for stopping pre-authorized, recurring credit card payments to a merchant is a little different than a credit card dispute. First, write to the merchant, directing it to stop the charges. Second, notify your bank about any charges that you feel were in error. You may be required to submit your dispute in writing or to explain it in a form the card issuer will provide.Writing your complaintSee the sample letter and sample email. Copy and paste the text, or download these as plain text files, and insert your own information.In your letter or email, include your name, address and phone number.Note what you are complaining about, when and where the purchase or agreement took place, and any other pertinent information, such as the item’s make, model or serial number, or your account number.Briefly and clearly describe the problem, ideally in 250 words or less, and what you want done to resolve it.Give a specific period of time in which a response must be received (such as 10-14 days), and indicate that you will seek legal advice or take other steps if the matter is not resolved. You need not tell the party exactly what you will do.Write “CC” and the names of other recipients at the end of the letter if you are sending copies to anyone, such as a local consumer group or district attorney’s office. For email, use the CC field to copy government agencies, organizations or the media. (Remember to remove account numbers or Social Security numbers from your CC copies before you send them.)Indicate if you are attaching copies of supporting documents. (Never send originals.)Keep a copy of all communications and supporting documents.Consulting a lawyerSometimes your only alternatives may be to hire a lawyer or drop the matter. If you believe your best option is to sue, but the amount is more than the small claims court limit or the case cannot be pursued in small claims court, you may have to hire a lawyer.However, most consumer cases do not involve enough money to make it worthwhile to hire a lawyer. You may not be able to locate one who is willing to help you or who is familiar with the legal issues involved. It could be many years before a court decides your case.If you want to speak to an attorney but don’t know how to find one, contact a lawyer referral service. (See Resources, or call your county’s bar association.) If you can’t afford an attorney, ask if your county has a legal aid agency or bar association that can help low-income consumers obtain legal http://advice.In many consumer complaints, the amounts involved are much too small to make it worthwhile to consult a lawyer, but contacting a lawyer can be of value in some instances:If you are being sued, you definitely need legal advice. Your failure to appear in court or obtain legal advice could be costly. Even if you know that you will lose the case, the advice of an attorney may help you to reduce the amount you will have to pay.You may benefit from having a legal expert read or review a document. If you are about to buy a house or sign a contract, a lawyer can make sure the agreement doesn’t have clauses that could cost you Trading, Economia e Finanza | Money.it can be helpful just to discuss a matter with a lawyer. If consumer agencies tell you that your only option is to sue, a lawyer can tell you the costs involved and what to Under Construction some cases, a letter from a lawyer can resolve the problem.For example, if you have just signed a car contract after being subjected to high-pressure sales tactics, a letter from a lawyer questioning such practices might convince the dealership to cancel the agreement.Small claims courtSmall claims court is for the resolution of minor disputes. The rules and requirements for such courts differ widely from state to state, so the first step is to learn the rules for filing a case in your state.Nolo, a legal self-help publisher, offers an online list of small claims limits in every state.Search online or look in your phone book for the telephone number for your local small claims court. Generally, you must file your suit in the city or county in which the business you have the dispute with has an office or in which the transaction took place. There is usually a fee for filing a case.Here is some general advice about suing in small claims court:Before you file, learn about the limitations and requirements of small claims court. This includes the maximum amount that you can sue for and restrictions against filing certain types of cases. Nolo offers a free online list of state Statutes of Limitations.Ask the clerk of the small claims court for advice about how to file your case. If you do not file correctly, the case might be thrown out.Give the company a chance to resolve the problem. Before you sue, notify it of your intention to sue by sending a letter.Tell the firm why you feel it owes you money, and the specific dollar amount you want from it.Find out the company’s legal name, and use that when suing it.Formally notify the company of your suit. Ask the small claims court clerk how to do this.Prepare your case. Gather your evidence and consider whether there are witnesses who can testify on your behalf. Practice your presentation by explaining your case to friends. Ask if they can understand your position and think you are making a good case. Be clear and concise.You can visit a small claims court before your court date. Watching other people appear before the judge could make you feel more comfortable about the process.Usually, the judge will first ask you, the plaintiff, to speak, followed by the defendant. Then the judge will ask questions and consider the evidence. Even if you win your case, there is no guarantee you will get your money. If the person refuses to pay, then you may have to take steps to force payment. Ask the court clerk how to do this.For more about small claims court, go online to read the questions and answers offered by Nolo, or obtain a copy of “Everybody’s Guide to Small Claims Court” by Ralph Warner, published by Nolo. Check your public library for a copy before purchasing the book.Community mediation servicesMany states offer community or court-based mediation designed to help disputing parties arrive at their own compromise settlement with the help of a neutral third party. The National Association for Community Mediation offers a program locator to help you find community mediation programs near you.ResourcesBetter Business Bureau: Complain about businesses.Consumer Action: Call (415-777-9635) or send a webmail for advice and referrals. Access free, multilingual brochures.Consumer Financial Protection Bureau (CFPB): Submit complaints about credit cards and other financial services.Consumer Product Safety Commission (CPSC): Submit and review consumer product safety complaints.Federal Communications Commission (FCC) (Complaint form): Submit landline and wireless phone complaints as well as those related to telemarketing, broadband (Internet) and TV broadcasting.Federal Trade Commission: Submit complaints about unfair or deceptive business practices, fraud, scams, credit reports and collections abuse.Financial Industry Regulatory Authority (FINRA): Submit complaints about an investment or financial advisor or brokerage under FINRA’s mediation program.Help With My Bank (Comptroller of the Currency): Submit complaints about national banks (with “National” or “NA” in or after the name).Legal Services Corporation: Find legal assistance for low-income individuals and families.National Association of Attorneys General (AGs): Find your state AG’s office to make a complaint of fraud or unfair business practices.National Association for Community Mediation: Find a local mediation organization.National Association of Consumer Advocates: Search by location and specialty to find a consumer attorney.National Association of Insurance Commissioners: Find your state insurance regulator to submit insurance-related complaints.National Motor Vehicle Title Information System (NMVTIS): Access important vehicle history information.Securities and Exchange Commission (SEC): Submit investment-related complaints.Consumer Action Handbook: Get this free resource for helping you complain effectively.Sample complaint letterYour nameAddressPhone numberCompany officialCompany nameCompany addressDateDear (title) ____:I wish to complain about ____ (name of product or service, with serial number or account number) that I purchased on ____ (date and location of transaction).I am complaining because ____ (the reason you are dissatisfied). To resolve this problem, I would like you to ____ (what you want the business to do).When I first learned of this problem, I contacted ____ (name of the person, date of the call) at your company and was told that nothing could be done about my problem. I believe that this response is unfair because ____ (the reason you feel the company has an obligation to you). I would like a written statement explaining your company’s position and what you will do about my complaint.I look forward to hearing from you as soon as possible to resolve this problem. If I do not hear from you within ____ days, I will file complaints with the appropriate consumer agencies and consider my legal alternatives. I am enclosing copies of my_____ (receipt or other proof of payment or documentation of complaint).I may be contacted at the above address/phone number.Sincerely,(Sign and type your name)CC: (local consumer group) (appropriate government agencies)ATT: (attach and list documentation of your complaint, if any)Sample complaint emailFrom: (your name: myname@myemailprovider.net)Subject: (short description of your complaint)Date: (most email programs enter this field automatically)To: (the email address of the person you are contacting)CC: (local consumer group) (appropriate government agencies)Dear (title) ____:I wish to complain about ____ (name of product or service, with serial number or account number) that I purchased on ____ (date and location of transaction).I am complaining because ____ (the reason you are dissatisfied). To resolve this problem, I would like you to ____ (what you want the business to do).When I first learned of this problem, I contacted ____ (name of the person, date of the call) at your company and was told that nothing could be done about my problem. I believe that this response is unfair because ____ (the reason you feel the company has an obligation to you). I would like a written statement explaining your company’s position and what you will do about my complaint.I look forward to hearing from you as soon as possible to resolve this problem. If I do not hear from you within ____ days, I will file complaints with the appropriate consumer agencies and consider my legal alternatives. I am attaching copies of my_____ (receipt or other proof of payment or documentation of complaint).You may reply to me at this email address or call me at (phone number).Sincerely,(your full name)Note: You can download text files for the sample letter and email on our website.About Consumer ActionConsumer Action is a non-profit organization that has championed the rights of underrepresented consumers nationwide since 1971. Throughout its history, the organization has dedicated its resources to promoting financial literacy and advocating for consumer rights in both the media and before lawmakers to promote economic justice for all. With the resources and infrastructure to signNow millions of consumers, Consumer Action is one of the most recognized, effective, and trusted consumer organizations in the nation.Financial Education. To empower consumers to assert their rights in the marketplace, Consumer Action provides a range of educational resources. The organization’s extensive library of free publications offers in-depth financial information, while its hotline provides non-legal advice and referrals. Consumer Action also publishes unbiased surveys of financial and consumer services that exposes excessive prices and anti-consumer practices to help consumers make informed buying choices and elicit change from big business.Community OutsignNow. With a special focus on serving low- and moderate-income and limited-English-speaking consumers, Consumer Action maintains strong ties to a national network of nearly 7,500 community-based organizations. OutsignNow services include training and free mailings of financial education materials in many languages, including English, Spanish, Chinese, Korean and Vietnamese. Consumer Action’s network is the largest and most diverse of its kind.Advocacy. Consumer Action is deeply committed to ensuring that underrepresented consumers are represented in the national media and in front of lawmakers. The organization promotes pro-consumer policy, regulation and legislation by taking positions on dozens of bills at the state and national levels and submitting comments and testimony on a host of consumer protection issues. Additionally, its diverse staff provides the media with expert commentary on key consumer issues supported by solid data and victim testimony.
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