The same thing happened with me as it did with everyone else, only 4 years agao. It still haunts me. I just received it in the mail, I did not even apply for it. It could not have come at a better time. I made a $20.00 charge on it. I received the bill and to my surprise, it had a balance of $293.00 out of a $300.00 credit limit. I only glimpsed through the terms, but I used to just getting cards mailed to me when I had great credit.
They never ripped me off, so I figured this one would not either. Our home burned down, and with mortgage payments, and rent (insurance company took 3 months or more to reimburse.), which was more than my mortgage, I let my credit cards slip. No brainer when it comes to feeding and keeping a shelter over your childrens heads. I did not know how bad my credit had become.
I called this company to question the bill. They told me I should have read the agreement. I did, I did not see this hidden fee anywhere. I told them I would pay the $20.00 I charged, but no more. I waited to hear from them again. I did not. I had gone to refinance, and they said that the card was a P&L write off, I should not even worry about it, so I did not.
A mortgage that was being reported delinquent for 2 years after it was paid off was (a whole nother story). A company called me and told me that they were trying to collect the debt of $847.00 for First Premier Bank. I told her that I was told that it had been written off. She went on saying that I still owed and I should have read the terms before using the card. Well, I got the bill for $298.00 was a day after I made my 1st charge. I told her that since I had not heard from anyone since I was told it was written off that I should not have to pay that.
She was going to call me back with a settlement. She did not. I refinanced again, after bringing my credit up (again, another story, some mortgage brokers are scams), they said not to even worry about the P&L write off. Now I have another company calling to collect on the money. He mailed me a settlement amount slightly less then what they said I owed. The letter was dated Dec. 27, bal due by Dec. 30. This letter came from Out of State, like I was supposed to be able to pay that by then. They wanted Credit Card payments. I got the letter January 5.
When I take a profit and loss write in my business, I eat it. I don't keep trying to collect. How can I stop this?
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