I opened a Visa credit card account with Providian Bancorp on 10/98.12/99 Providian Bancorp started raising my monthly payment, the payments got so high I started having trouble paying the full monthly payments plus late fees.
I told Providian Bancorp that I would pay reduced payments, until I could catch up on the payments, Providian Bancorp said Ok. Then on 5/00 they notified me they was closing my account. The balance was around $1,900.
Unifund CCR Partners sent me a letter 1/22/02 stating they puchased the account from Providian National Bank with a interest balance of $3,134.15 and current balance of $3,436.16.
On 8/22/02 Jeff Shaffer Unifund - Legal Dept., he's the General Manager, stating my share of the Providian settlement is $14.51 and they deducted that amount the the balance, stating that I now owe them $3,123.76.
12/02 Unifund CCR Partners file a Civil suit against me, with a Arbitration hearing date of 8/05/03, now they said that I owed them $3,453.68 plus attorney's fee of $690.74.
Total amount of $4,144.42
I got a letter in the mail from Tucker Arensberg, PC that Unifund won a judgement against me on 1/28/03.
They got a judgement against me for a debt from Providian Bancorp engaging in widespread misconduct by charging cardholders unlawful, excessive interest and late charges, and by promoting and selling to cardholders "add-on products" promising illusory benefits and services.
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