so if
there is a class action suit against them. Shouldn't I wait and see how
it plays out?
Sub: #11 posted on Wed, 02/08/2006 - 12:12
Unregistered
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?
Sub: #13 posted on Mon, 02/13/2006 - 16:48
Unregistered
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
Sub: #15 posted on Wed, 02/15/2006 - 18:42
Unregistered
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
Sub: #17 posted on Thu, 02/16/2006 - 22:04
Unregistered
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-
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.
Sub: #19 posted on Mon, 03/13/2006 - 11:42
Unregistered
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 .
Sub: #11 posted on Wed, 02/08/2006 - 12:12
Sub: #12 posted on Wed, 02/08/2006 - 12:18
(Posts: 1639 | Credits: )
Should I wait or speak to them?
Sub: #13 posted on Mon, 02/13/2006 - 16:48
Sub: #14 posted on Mon, 02/13/2006 - 16:57
(Posts: 1639 | Credits: )
Sub: #15 posted on Wed, 02/15/2006 - 18:42
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.
Sub: #16 posted on Thu, 02/16/2006 - 09:47
(Posts: 1639 | Credits: )
Sub: #17 posted on Thu, 02/16/2006 - 22:04
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.
Sub: #18 posted on Fri, 02/17/2006 - 08:58
(Posts: 1639 | Credits: )
Sub: #19 posted on Mon, 03/13/2006 - 11:42
Sub: #20 posted on Mon, 03/13/2006 - 12:04