- Report: #70234
Complaint Review: Monogram Credit Bank Of Georgia - Roswell Georgia
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Monogram Credit Bank Of Georgia
Roswell, Georgia, U.S.A.
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Monogram Credit Bank Of Georgia - Lowes / Walmart ripoff Destroyed By Monogram Credit Roswell Georgia
I had a credit card by Monogram Credit Bank of Georgia for Lowes Home Inprovment Warehouse. I had neve been late on a payment, I only had a $1000.00 limit, pymt $15.00 per month.
One day I got a letter and said my account was being closed due to a credit report obtained showing my debt ratio. So I wrote them a letter asking why and how come? I recieved some pre form we are sorry letter. So I continued to make payment to them (minmum).
My only child was killed in an accident and I had no insurance to cover the cementary and funeral. I was wiped out to get the majority paid. I decided at that point it was more important to keep a roof over my head and bury my child (I had just recently divorced 8 month before the accident).
So after explanation to them and telling my creditors I would still try to send a pymt each month. I sent them a pymt for months on end, they accepted cashed and went on with the process.(It was 5.00 monthly I sent) then I started to recieve the checks uncashed back to me.
I then got a all these late charges orver the limit. A warrent for a judgment against me. I showed up for court, offered the merchandise to them, the lawyer said it will do you more good than them so keep it. Nothing until 8 months later the garnished my checking account. No warning, no copy of the warrent or nothing. I found out through the bank , I showed up for court (they didn't) It was continued to the following week. I showed up, they didn't . The case never got called in court either time.
I am still waiting to here from the court but they have seized my account still
Laura
cburg, Virginia
U.S.A.
One day I got a letter and said my account was being closed due to a credit report obtained showing my debt ratio. So I wrote them a letter asking why and how come? I recieved some pre form we are sorry letter. So I continued to make payment to them (minmum).
My only child was killed in an accident and I had no insurance to cover the cementary and funeral. I was wiped out to get the majority paid. I decided at that point it was more important to keep a roof over my head and bury my child (I had just recently divorced 8 month before the accident).
So after explanation to them and telling my creditors I would still try to send a pymt each month. I sent them a pymt for months on end, they accepted cashed and went on with the process.(It was 5.00 monthly I sent) then I started to recieve the checks uncashed back to me.
I then got a all these late charges orver the limit. A warrent for a judgment against me. I showed up for court, offered the merchandise to them, the lawyer said it will do you more good than them so keep it. Nothing until 8 months later the garnished my checking account. No warning, no copy of the warrent or nothing. I found out through the bank , I showed up for court (they didn't) It was continued to the following week. I showed up, they didn't . The case never got called in court either time.
I am still waiting to here from the court but they have seized my account still
Laura
cburg, Virginia
U.S.A.
1 Updates & Rebuttals
Tamberlyn
Akron,Ohio,
U.S.A.
check with your state laws
#2Consumer Comment
Tue, October 28, 2003
Hi Laura, I don't know what the legalities are in your state, but it might be worth your while to check into them. I have often heard that if a creditor refuses payment then your debt is settled. For instance, although you were not able to make the minimum required payment, you were at least sending something. And by them sending back your checks uncashed, they were refusing payment. My mother lives on a fixed income and has some outstanding medical bills. She sends in $5 at a time, and so far none have been refused. She was also told that if any of them ever sent back uncashed checks that was like refusing to accept the payment and in that case she would owe nothing. My condolences to you about your child.
