Virginia
Virginia,#2Consumer Comment
Fri, January 02, 2015
Paul
Beaverton,#3UPDATE EX-employee responds
Wed, January 30, 2008
I am sorry that you drove 75 miles to make a payment at Best Buy that was not accepted. First of all I would never drive 75 miles to make a payment on a credit card, almost all credit cards will take a check over the phone for a fee that is much less than the late fee which then caused a over limit fee. If you have a computer, you can make a payment online from your checking account typically for free, but there may be a charge, again probably less than a late fee and then no over limit fee. You entered into a legal contract with the credit card company and they sent you a disclosure with your credit card and in my experience less than 20% (and that may be generous) of consumers read their disclosure which advises them of all fees and penalties. I am not sticking up for the company, but in todays suit happy world we want to blame everyone but the right one, us, when we get into trouble. And to stop paying on the credit card is a choice (a bad choice) that YOU made and now YOU have made a mountain out of a mole hill.
Kristy
Beverly Hills,#4UPDATE EX-employee responds
Fri, January 18, 2008
this has nothing to do with Best Buy.. When you buy something in the store using the Best Buy Credit card, or write a personal check (that say bounces due to lack of funds) Best Buy still gets paid. these bills our outsourced to banks like HSBC to be fair here .. when you sign up for a credit card, it's a legal document. you have to pay back the debt. The best thing would have been to continue to pay all your bills on time.. (or pay the entire bill off) and write a letter to the company about the late fee.. although to be honest.. Nobody cares.. credit card companies.. especially HSBC look for any excuse to add fees or raise your interest rate to 40% it's a profit motive. what you did was say .. I'm not paying anything... so you got Sued. I'm not an attorney but it sounds like you didn't show up for the actual hearing.. (even if that means flying to another state, city etc or hiring an attorney in that area.) so the judge issued a default judgement. To be honest most "out of state" judgements are not worth the paper they are written on, unless a local court in your area approves it. (unless it was filed in federal court) as to how they were able to transfer funds out of one of your checking accounts without your permission.. without some type of garnishment order.. you may be able to file a fraud claim with your bank to recover funds & possible damages.. but at this point, if you still intend to fight this get a lawyer.. otherwise.. basically the Judge made a fair call.. you owed the money so pay it.. in the future sign up with some type of "automatic payment system" so bills are paid ontime