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Korean credit card a means to revenge???
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Undercover



Joined: 14 Nov 2007
PostPosted: Tue Jul 21, 2009 4:08 pm    Post subject: Korean credit card a means to revenge??? Reply with quote
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.
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Theo



Joined: 04 Jul 2009
PostPosted: Tue Jul 21, 2009 4:20 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.


Nothing at all surprising about this part of your post. Welcome and Farewell to Korea! Golden Land of Kimchi and Cunning Deception! I'm sure some of the defensive posters on this forum will find some way of blaming you for this misfortune, but a great many of us who have worked in Korea know these things to happen all the time.

Undercover wrote:
Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?


Now, as for the 'revenge' aspect... Not recommended. Taking a revenge-type action in a foreign country, I think, is not too smart. You could easily just compound your problems, and could face fines, etc. prior to departure -- and I assume at this point, you can't wait to get outta Korea, yes?

Just go, and just keep warning others about this employer after you're back home -- or your next destination.

Leave Korea and don't look back.

Good luck.
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Mr. Pink



Joined: 21 Oct 2003
Location: China
PostPosted: Tue Jul 21, 2009 4:31 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.


Your debt doesn't follow you. However, if you ever do come back to Korea, you will be hounded to pay back that credit card debt.

Why don't you take your boss to the labour board? Or threaten to?

I can see if you are never coming back here how you might be tempted to put the screws to your boss. I once went to work at a place, and these "teachers" felt the school had misled them (which wasn't true) so they raked up like $500 long distance phone bills (each, there were two of them) then right after payday they did a midnight run. That was an honest school which treated every employee right. Again, the decision is up to you. How screwed do you feel, and what are you willing to do to make it right?
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pocariboy73



Joined: 23 Jan 2003
PostPosted: Tue Jul 21, 2009 4:40 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.


With people like you around, no wonder it's so hard for foreigners to get credit cards.
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Theo



Joined: 04 Jul 2009
PostPosted: Tue Jul 21, 2009 4:47 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
pocariboy73 wrote:
With people like you around, no wonder it's so hard for foreigners to get credit cards.


First of all, the OP is just venting, and justifiably so.

With Korean employers like this one, no wonder so many FTs leave Korea fuming and warning others not to step foot in the place.

Oh, yes, the HOST employer in the HOST country is never culpable, right?
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E_athlete



Joined: 09 Jun 2009
Location: Korea sparkling
PostPosted: Tue Jul 21, 2009 4:56 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
pocariboy73 wrote:
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.


With people like you around, no wonder it's so hard for foreigners to get credit cards.


this is the response I expected
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afsjesse



Joined: 23 Sep 2007
Location: Kickin' it in 'Kato town.
PostPosted: Tue Jul 21, 2009 4:59 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.


If your leaving debt behind on a credit card with no intention of paying it, then you deserve what you get without any sympathy.

If you just have the card and they are using it as an excuse to get you down, show it to them and cut it up.
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E_athlete



Joined: 09 Jun 2009
Location: Korea sparkling
PostPosted: Tue Jul 21, 2009 5:13 pm    Post subject: Re: Korean credit card a means to revenge??? Reply with quote
afsjesse wrote:
Undercover wrote:
I am leaving Korea and my hakwon is screwing me around. They refuse to pay me my airfare and a bonus that was in my contract. I think they are cutting costs and since they have no intention of hiring another foreigner they are pushing the limits of what they can get away with.

Now I have a credit card which they had to sign some document for when I applied. I have no idea what the document was. But a friend suggested to me that they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?

Also, can my debt follow me back to the US. My bad credit in the US never followed me here. My friend has suggested that it does not.


If your leaving debt behind on a credit card with no intention of paying it, then you deserve what you get without any sympathy.

If you just have the card and they are using it as an excuse to get you down, show it to them and cut it up.


If you re-read the OP's question he doesn't ask us whether we think the whole thing is moral/ethical or not.

Quote:
they co-signed and are legally responsible for any debt which I incur but do not pay. Is that true?


I can't say for sure whether or not they are responsible but from my understanding you are not responsible for paying it should you leave Korea. And no it wont harm your credit rating back home. No, collection agencies from Korea are not going to come after you for pocket change and there isn't much they cannot do much even if they sued you back in the US or wherever you are from.
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