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FCNB cc debt

Date: Wed, 04/08/2009 - 10:48

Submitted by anonymous
on Wed, 04/08/2009 - 10:48

Posts: 202330 Credits: [Donate]

Total Replies: 4


Help! Is there a way out? I had a fcnb credit card with a credit limit of 300. On a limited budget, I made minimum payments. At some point the finance charge put it over the limit, so then they added monthly over the limit fees. My payment has gone from $30 to closed to $80 with no end in sight. The balance is now at $3,000. I missed one payment a year ago so about once a month I get a call at work from someone at Platinum Recovery Systems. Since that one missed payment, I make a payment every month, so I don't understand why they call so much. Yesterday the woman was rude, obnoxious and hostile. She said I was 2 payments behind which is not true since the payment is due til the 14th. I see no end to this. I don't have the money to pay it off. There is something criminal about all of these constant over the limit and late fees. I feel like even when I am making payments that I am throwing my money away. I cannot deal with fcnb directly as they went bankrupt years ago. Is there any help? My other credit cards are $750 and below with no problems. This one is making me lose sleep!


As far as I know I am not paying Platinum Recovery Sytems. FCNB went bankrupt several years ago and now payments go to something called Cardmemberservices.net. I have never made a payment directly to Platinum--however I do go online and pay by check to the cardmemberservices. I feel like I have paid above and beyond the 300 I originally charged. I have been paying for at least ten years and I am tired. All I am paying now is over the limit charges, late fees and finance charges. There has got to be a way out! Please help.


lrhall41

Submitted by on Fri, 04/10/2009 - 08:00

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This means that you are paying the debt every month to Cardmemberservices.net for the past 10 years on a debt of $300 and still now the outstanding debt is $3000 (finance charges and late fees). How is this possible?
Do you have the bank statements to prove that you have made the payments to Cardmemberservices.net?


lrhall41

Submitted by novice on Sat, 04/11/2009 - 05:05

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Correction: it's possibly closer to 8 years than 10. I don't see how it's possible either. I do know for a while there, I was making the minimum payment of $35 and they wanted the late fee at the same time and I didn't have it. I don't know if I have bank records of not. I do have statments from Dec. 02-Mar 09 showing my payments and the charges.


lrhall41

Submitted by on Wed, 04/15/2009 - 11:14

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