1. Good, I’m glad they are gone.

2. The latest bannee, “Jude” managed to get me to respond to a couple of unauthorized comments post-banning. (This is because he wasn’t around long enough for me to remember his name.) In the unauthorized comments, since sent to spam hell, he illustrated the basis for his banishment by stating, with absolute certainly, that the experience I described here was triggered by a scam, and that I made a dumb mistake by calling both the collection agency (a law firm) and the company that had mistakenly charged me. I had been phished, Jude the Obscure Asshole insisted. No, I replied, I had not been phished, and I have sufficient experience with such things to have checked. Jude just arrogantly insisted that he was right and I was wrong, without any of the information I had that he did not.

I just received an email from AfterPay USA. It reads,

“Hi Jack, Thank you for your patience regarding your ID Theft Claim – Disputed Liability with respect to Afterpay account 10082791185.
Afterpay has concluded our investigation and your ID Theft claim has been accepted. You will not be held liable for Afterpay account 10082791185 or any debt incurred from this account.

What does this mean?

• Afterpay Account 10082791185 has now been closed. 

Thank you,

Vivien
Global Fraud Senior Specialist

I was right. Jude was wrong. So Jude can bite me.