Providian bought out a credit card company that we had an account with... (First Union)... Due to heart problems, we had trouble continueing to pay the bill. We contacted First Union and was working with them.in the mean time... Providian bought out the contracts... And from then on, we really had no idea where we stood, or what was going on.
After the bill was unpaid, after years, they turned the account over to an Attorney, and the Courts. Apparently the Attorney sent the papers out to a house, that we had sold... At least 6 months before. They stuck the papers to the door... Never hand delivered the papers. So we did not know about any court hearings, or actions, etc. If the Attorney had talked to the residents... They would have known we did not live there, and could of gotten our new address from the Forwarding, at the Post office. They then (months later) said they delivered the papers to a home on Hahnes St in our city... Which there is no Hahnes St... We live on James St... So again... We knew nothing of this action... Etc.
Then two weeks ago... The Sheriff shows up to our door... And has a subpoena... To remove everything we own... Our car, work truck... Etc. They got rough with me, pulling me out of my car, as I drove into the drive way... Pushing me up the steps of my home... And basically pushing me in the direction of the couch. Told me to shut up... And just do what they said. I seen no ID. And immediately asked... I thought they were thugs... Robbing us. They had my husband hostage in our home... With his wallet out. And his credit cards... Debit cards... Etc...
After roughing me up, (I have cancer, and a heart condition) which my husband told them... They said. They hear that all the time... And dont threaten them with that crap.
They then demanded $5000.00 or they were taking everything.
Our orginal debt was $5000.00... But due to the fact we were not aware that Providian bought out First Union... We had no idea that the interest was adding up to make the debt now over $13,000.00... That is outrageous.
I asked them for ID... And was shown a badge that Ive seen my son have, so I demanded that they call our local police... Which they did... But they told me to stay in the house... But I said... No way... I dont know what you are going to tell the police...
Then they proceeded to tell me, I had nothing to do with this matter, because the debt was not in my name... But I was involved enough to be roughed up. I know I have no recourse on the abuse I took... Because it is my word against a cops word... But... The Providian Bank, has been notified of the wrong delivery of papers no signatures etc... And they just said... Tough noogies... They didnt care.
They refuse to work with us in any way... Even though we immediately paid them $5000.00. I would hardly call that a family that is unwilling to pay a debt... If we had that amount to pay on the spot. If we had known about all this mess... The debt would of been paid immediately. I believe this is unfair... And unethical practices... We have shown good faith... And paid when was asked... And would have, if we had been aware of the debt by Providian.
Thanks for letting me vent this has been a most stressful situation. Now being another $8000.00 in debt due to some one not delivering papers to the correct address.
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