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I just read some disturbing info on another forum and thought I would post it here for some insight... Some customers were complaining that they had their credit limits decreased after charges were made...they made it sound like they were offered $1000 limit for example...and when they made purchases...WaMu came in and decreased their limit...so they were automatically charged overlimit fees. Does that make sense to anyone? I've never heard of that before and it sounds like that kind of practice would be highly illegal.

I liive in Michigan and i know they are illegal, I just got a bunch more calls from Centrunion saying they have put a formal complaint in my state with my ss#, is there anything they really can do legally and what do they mean. I have pd tem $240 on a $200 loan shouldnt i be all set?? I have emailed a few times now, does anyonehave another email the one i have sent to is [email]customercare@loantpointusa.com[/email] should i call them back or just resend the letter?? thanks again.

Hi! My name is Jessika!

I just looked on Case Net and found I am being sued for a Tribute Master Card I had. I have tried and tried to work with the law firm who is collecting it but the guy has been very difficult. They have only had the case since May and the guy has been very snotty each time I talk with him. I am scared to death I will be served at work. I am going into the hospital for surgery tomorrow. Is there a way for them to mail me the summons? Help!!

i am in a position where i need to build my credit. from my previous post, you would know that i have been able to pay off 5 accounts and have two more pending (until i can save some money to offer them a lump sum) Anyhow, i need to start thinking about rebuilding my credit. Any ideas on what credit card i should apply for??? Should i go talk to my bank? Thanks Again!

Hi people, I usually post my questions on the collection agencies forums but now i am facing my "next phase". I pulled my free credit report from all three credit agencies back in May of this year. By the end of this month, i would have paid off 5 accounts that was charged off by the original creditor and sent to collection agencies. By the end of November, (cross my fingers), I should have receive all my paid settlement letters from those collection agencies. What is my next step to get this off my credit report?

In 2006 I got a bit tight on my money, and well, had to get a payday loan. I hate these things, but this place offered to pay it back in installments instead of one lump sum, so I figured I could get back ahead allot quicker this way. I initally borrowed $400. With fee's and interest and everything else they charged me, I had already made almost $500 in payments., then my account went negative, so that account was closed. I called this payday loan place to let them know this; I didn't want it to go on my credit (which it never did btw),and wanted to just get it paid and be done.

I have the following payday loans and need to figure out if they are legal and how I can get out of this mess. I live in Wyoming. PayDay One - $500.00 - Paid $0 Magnum Cash Advance - $1176.00 - Paid $1219.94 Integrity Cash Advance - $400.00 - Paid $480.00 my cash now - $500.00 - Paid $0 I have contacted my bank and they can stop withdrawals from Magnum & Integrity since they have already debited my account but not the other two since they have never withdrawn funds.

I just got a call from 1-866-679-4046 and I just want to know which payday company is using them, so I can send them a letter to not call my job and to validate the debt.

I am not the person allied interstate is looking for and they are repeatedly calling me after I've given the correct telephone number of the person they're looking for. I'm fed up, it's harassment. Do i have any recourse?