Jim
Anaheim,#2Consumer Comment
Mon, February 16, 2009
You're wasting your time. Everything you've documented is in the agreement when you took possession of the card and began using it and by using the card, you agreed to the terms. If you stop paying on the card, the amount will grow and there's no judge in the world that will force the CC company to reverse the legit fees incurred. If you want to see something sad, just wait until someone runs a credit check on you - sees this credit balance growing - and drop goes the credit score. No lawyer is going to take that case either because it's a dead-bang loser. Just pay the card off and shred the card after that's done.
Jim
Anaheim,#3Consumer Comment
Mon, February 16, 2009
You're wasting your time. Everything you've documented is in the agreement when you took possession of the card and began using it and by using the card, you agreed to the terms. If you stop paying on the card, the amount will grow and there's no judge in the world that will force the CC company to reverse the legit fees incurred. If you want to see something sad, just wait until someone runs a credit check on you - sees this credit balance growing - and drop goes the credit score. No lawyer is going to take that case either because it's a dead-bang loser. Just pay the card off and shred the card after that's done.
Jim
Anaheim,#4Consumer Comment
Mon, February 16, 2009
You're wasting your time. Everything you've documented is in the agreement when you took possession of the card and began using it and by using the card, you agreed to the terms. If you stop paying on the card, the amount will grow and there's no judge in the world that will force the CC company to reverse the legit fees incurred. If you want to see something sad, just wait until someone runs a credit check on you - sees this credit balance growing - and drop goes the credit score. No lawyer is going to take that case either because it's a dead-bang loser. Just pay the card off and shred the card after that's done.
J G Shrugged
Austin,#5Consumer Comment
Mon, February 16, 2009
Did your finance manager pay the same amount every month without looking at the bills? If so, then it's 100% your fault. There is a judicial concept of minimizing ongoing damages, so after the first month, you could have "stopped the bleeding" by increasing the payment, but you didn't. So, I'd consider that before deciding to hold out for court, since the amount you owe is just going to increase. If you really plan on court, make sure that you have all of our correspondence from when you opened your account, such as the T&C, etc. I assume you got something in writing that you had a fixed interest rate account, and not a variable one?