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Acceptance of a Card?
Hai, If you are in the midst of getting rid of a CC and they ask the
question “you took the card and used it”, how do you respond to that. I
did say that all previous payments made were done in error and without
full disclosure. This is one area that I think I could stumble over, I
feel pretty solid in all my other defenses but I don’t want to be
tripped up in this area. They have already admitted that they do not
have a contract with me. They said it was destroyed quite a few years
ago lol. But I told them I wanted the money back that they fraudulently
taken from my account and I would seek a judicial review. Then they went
in and hit my credit hard and my credit has now plummeted
significantly. I think they are trying to teach me a lesson. Look
forward to any response. Thank you -
2 Replies
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What are the actual processes you have already taken? Have you written notices or conditional acceptance or are you just corresponding or phone calling?
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Hi, I have already sent all of the notices, affidavits and a certificate of default.