<?$C=FGCI(400);$topic_title=$C[FldCreditorName];?>

so if there is a class action suit against them. Shouldn't I wait and see how it plays out?

Definitely. Consult with consumer protection office in your state to know if they are allowed to do business or not. Chances are they are suspended from collection, if they are going through an investigation.

Someone just phoned me from Credigy. I'm waiting for the Consumer Protection office to tell me if they are allowed to do business.
Should I wait or speak to them?

I do not see anything bad in speaking to them. Ask for receipt for your precious six payments and make a written agreement for the rest of your installments, so that they cannot claim anything unfair in future. In the mean time, you will get the feedback from Consumer Protection Office also. Keep us posted.

My name is evelyn santiago and my questions is that back in 1997 my dad got a credit card in his name but it was my card meaning he put me as the co applicant and I was suppose to be responsible in paying the account which it was with fleet, but I came some hard times that I couldn't back then pay it. But now that ihave become stable, I was searching long and hard to see how can I make payment arrangements to start paying them off, but now I got a summons in the mail stating that credigy is suing my dad naturally cause it was in my dads name, saying that they have tried numerous attempt to collect and haven't in all these years recieve anything like that. As a matter of fact thats what I have been waitng for so I can make payment arrangement so slowly I can pay it off. And I still want to do that. So how can I avoid this summons and who can I contact to avoid this stuff in court which I already know that I owe this. Please tell me what can I do? I mean I never recieved any notice from credigy concerning my account at all so I don't thats fair getting a summons and not recieving any kind of notice in the mail concerning this account that I owe. So please I need to know who to talk too or contact please

Evelyn,

Could you tell us when did you make the last payment towards this card and which state do you belong to?

The reason I'm asking this to figure out the SOL for this debt. If the SOL has expired, you will win the case without paying a dime.

Otherwise you can contact Credigy and ask for out-of-court settlement. Probably they will cooperate. Keep us updated on this.

Hi stan its me again to your response on this matter well to tell you the truth I think the last payment that I made was in 99, and I come from connecticut. So what is the sol in my state? If I have to contact credigy, what is their contact number and what do I need to know because its been so long that an accoutn number now is hard to know

Evelyn,

SOL for Connecticut is 6 years. The countdown starts from the date of last activity seen in the account. If you made the last payment in 1999, the SOL has expired already. Hence no one can force you to pay this debt, nor can any legal action be taken against you for a past SOL debt. You can verify the SOL of your state here too-

http://www.debtconsolidationcare.com/forums/state-sol.htm l

You can send them ???cease and desist' letter and tell them that as the SOL is over, they cannot force you to pay it, so stop calling. You can collect their contact address from the previous page of this thread, or you can consult BBB website to collect their contact address.

In 2002, I set up 6 post-dated checks to allow First Select to receive their money on the 14th of the month. They took all my checks at once and caused me a lot of money in fees in addition to ordering several statement copies from my account for $4.00 each. I hope they don't do that to you.

I didn't even know I owed First Select ... I thought we had paid off all of our credit cards frpm when my husband got hurt. On my credit report is this First Select ... Called them and they said Credigy bought it in Jan. 06. How do I find out if I really even oew this. It was a Discover card .