laws on a company buying and collecting a consumers store credit card debit that was purchased from the compa?
Danielle E asked:
consumers rights on outstanding debit to a store (Mervyn`s) that is no longer in buissness that has sold there customers credit card debit to another company ( Law office of Budzik & Dynia LLC) that is trying to collect the outstanding debit and is threatning legal action if not paid. i live in california and the cmpany that is trying to collect is in chicago Il
I agree that i owe the money. Apparently the debit is from 2007. No billing statements recevied in years. Had I received any statement/bill payments would have been made. Lack of billing statement caused lack of knowledge of outstanding debit. The purchasing company just sent my first letter 7/02/2010, was told a payment agreement with a payment in next 2-3 days to prevent legal action. I explained to them that I just was released from 3 monts in jail 4 days ago, have no money im in thousands of dollors in debit, owe restetution, have to sign up for sheriffs work project by wed. with a sign up fee of $80 including a $40/day at 32 days. I am also a single mother trying to get my life back on track. One last bit of info… On the law companys web site it states ” The firm does not intend to practice law in any state in which we do not have licensed attorneys.” The 2 Attorneys listed are members of FL. chicago, ILL, & american bar association,Amer institute of cert public accounts
consumers rights on outstanding debit to a store (Mervyn`s) that is no longer in buissness that has sold there customers credit card debit to another company ( Law office of Budzik & Dynia LLC) that is trying to collect the outstanding debit and is threatning legal action if not paid. i live in california and the cmpany that is trying to collect is in chicago Il
I agree that i owe the money. Apparently the debit is from 2007. No billing statements recevied in years. Had I received any statement/bill payments would have been made. Lack of billing statement caused lack of knowledge of outstanding debit. The purchasing company just sent my first letter 7/02/2010, was told a payment agreement with a payment in next 2-3 days to prevent legal action. I explained to them that I just was released from 3 monts in jail 4 days ago, have no money im in thousands of dollors in debit, owe restetution, have to sign up for sheriffs work project by wed. with a sign up fee of $80 including a $40/day at 32 days. I am also a single mother trying to get my life back on track. One last bit of info… On the law companys web site it states ” The firm does not intend to practice law in any state in which we do not have licensed attorneys.” The 2 Attorneys listed are members of FL. chicago, ILL, & american bar association,Amer institute of cert public accounts
How do stores get payed by credit card companies?
Yutaka asked:
I am curious how the money is processed between bank, credit card company, store and costumers.
What does actually happen when you swipe your card and enter your pin? Most important for me, how do credit card companies pay money to stores when I swipe my card? Thanks for any support.
I am curious how the money is processed between bank, credit card company, store and costumers.
What does actually happen when you swipe your card and enter your pin? Most important for me, how do credit card companies pay money to stores when I swipe my card? Thanks for any support.
WHEN YOUR CREDIT CHECKed BY A MORTGAGE COMPANY CAN THEy SEE THE OUTSTANDING BALANCE ON STORE OR CREDIT CARDS?
ASK asked:
DO THE banks when credit checking just see you have cards or can they see your outstanding balances etc and do they check every application? many thanks for any help.
sorry but are you all responding from america? as the bank has just told me they cannot check outstanding balances with other banks i hold cards with? im in th uk
DO THE banks when credit checking just see you have cards or can they see your outstanding balances etc and do they check every application? many thanks for any help.
sorry but are you all responding from america? as the bank has just told me they cannot check outstanding balances with other banks i hold cards with? im in th uk
What store will give me a credit card even though I had bad credit?
wanderer asked:
Everything is paid off but i have bad credit. What store will give me a credit card? maybe a wal mart or something?
Everything is paid off but i have bad credit. What store will give me a credit card? maybe a wal mart or something?
What is the best way to handle a store line of credit once you no longer use the account?
matt W asked:
I recently made a one time purchase from a store with a 0% APR credit line in which they offered. I have paid the balance in full and never intend on using the card again. Is the best option still to not close the account?
I recently made a one time purchase from a store with a 0% APR credit line in which they offered. I have paid the balance in full and never intend on using the card again. Is the best option still to not close the account?
How to sell a store credit card to customers?
What does closing a store credit card do to your credit?
lalala asked:
Two questions:
1) If I have a store card that I don’t really use anymore, what effect would closing that card have on my credit?
Two questions:
1) If I have a store card that I don’t really use anymore, what effect would closing that card have on my credit?
2) Stores always ask me to open a store card to save 15% and say I can close it later if I don’t want it. I always say no. Wouldn’t it negatively affect your credit score to be doing that all the time?
How can I find out which company uses which credit agency?
ROSE A asked:
I want to apply for a t-mobile contract phone and I also wanted to apply for a credit card but I wanted to know if it is possible to find out which companies (i.e. department stores like debenham etc and retail stores like topshop, la senza etc etc) use which credit agencies. I was told it is possible but I was looking for a quicker way than approaching each company individually?????????
I want to apply for a t-mobile contract phone and I also wanted to apply for a credit card but I wanted to know if it is possible to find out which companies (i.e. department stores like debenham etc and retail stores like topshop, la senza etc etc) use which credit agencies. I was told it is possible but I was looking for a quicker way than approaching each company individually?????????
Capital One credit card company canceled my card. Seems a company had stored my information and was hacked in?
Henry B asked:
They will not tell me the name of the company that was hacked into.So I suspended all my accounts everywhere to be safe.They also told me to check their site to see if any purchases were attempted.Which is fine but their server has been down for 2 days.Which leads me to believe Capital One itself was hacked in to.Any Capital One users have same problem.
They will not tell me the name of the company that was hacked into.So I suspended all my accounts everywhere to be safe.They also told me to check their site to see if any purchases were attempted.Which is fine but their server has been down for 2 days.Which leads me to believe Capital One itself was hacked in to.Any Capital One users have same problem.
Who gave credit reporting companies the right to store information on me?
silly_crazy_cool asked:
I would very much love to know who gave companies like trans-union, equifax, experian and so on the right to store information on me? I never in my life signed papers on them to store this info. I have gotten reports from all these companies and all the info is wrong. I have been disputing it for 10+ years now. They had me working for companies that I never heard of, They had down spelling of my name 8 different ways, They had down 4 different social security numbers. So Now who gave them the right, casue i want them to remove all my info from every database. I keep telling them to delete me, they wont. so who gave them the power to ruin my life?
I would very much love to know who gave companies like trans-union, equifax, experian and so on the right to store information on me? I never in my life signed papers on them to store this info. I have gotten reports from all these companies and all the info is wrong. I have been disputing it for 10+ years now. They had me working for companies that I never heard of, They had down spelling of my name 8 different ways, They had down 4 different social security numbers. So Now who gave them the right, casue i want them to remove all my info from every database. I keep telling them to delete me, they wont. so who gave them the power to ruin my life?