Table of Content
They added late fees I keep complaining about roof. Before I knew it my condo was up for auction at the courthouse. I probably just tripled my original debt amount with Citibanks outrageous legal fees. How hard would it have been to make the minimum payment and then tilt at the windmill? What physical i.e. written proof do you have of any of this?
Otherwise all these default judgements this board talks about would have $10k extra in made up attorney fees. I don't understand how anyone thinks they would get attorney fees though. The deal is this, you should have known the end date and when you would have to resume payments without an automated system.
Your Session Is About to Time Out
If you choose to receive statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. The payment cutoff time for Online Bill and Phone Payments is midnight ET. This means we will credit your account as of the calendar day, based on Eastern Time, that we received your payment request. If we receive your request to make an online payment after that time, we will credit your payment as of the next day. If your email address changes, please update it through Account Online or call us at the number on the back of your card. Them never serving you reduces your negotiating position but doesn’t eliminate it.
The old firm paid me some money in a settlement, but I still had to deal with AmEx. Fortunately AmEx had done something extremely stupid before then. If I do chose to settle, what should I expect? Has anyone been through settlements with Citi? I'd assume they are still gambling on attorney fees and arbitration costs.
Are you sure you want to sign off?
That I believe would be a breach of the credit card agreement. I can agree with an attempt to have negotiating power. That could depend upon whether or not the law firm had received notice of a claim from the arbitration forum before it filed the lawsuit.
The point is to increase the OP's negotiating power. At this point the negotiating power is non-existent. Perhaps this can be used to increase negotiating power from nil to at least something. Perhaps get some sort of settlement from Citi that would be less than the balance of the loan.
Getting Paper Copies
In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. @Clydesmom My legal basis for not paying and making the demad to remove the 30 days late was that it was their error. Based on what I agreed to and what their automated message said, I did not have a payment due. Had I known I had a payment due, I would have paid it. They refused to remove false credit reporting.
They have the terms and conditions backing them up and you have nothing. If you don't have a ton of money laying around to pay this at the end I would settle. I have had my Home Depot card b Citi for a few years now and use it often. I have used this card many times in the past couple of months. Since it has been warmer weather, I have been doing many various outdoor projects and this card has been very helpful in financing those. I try to pay it off each month but sometimes just make the minimum payment.
It really great for promotional purchases so you can have time to pay large purchases without any interest. It also makes things easier to return and they send you discounts you can use with your card! If you shop at Home Depot a lot it's a great card to have and it's backed my Citi which i like.
It made the discounts I had received, useless, since I ended up paying way more than I would have if I just used cash or my debit card. Like I said after that incident I just cut the card and paid off my remaining balance. This card is probably fine if you are not accidentally late on a payment. But you really don't get that good of discounts or anything. We will send notifications regarding the availability of your legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information.
If only they could get their statements improved it would be helpful in paying and understanding the statement. I agree to receive my legal notices electronically as available. If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. The Home Depot Credit card really isn't worth it. You barely get discounts and you don't really get any special offers that non-card holders can't also get. I had a family emergency once and was a few days late sending my payment.
You may cancel through account online or by calling us at the number on the back of your card. If that ever gets up in front of an arbitrator, the bona fide error defense would almost certainly work. This is the kind of stuff I was hoping to come across as advice. I know Hunt and Henriques was the first firm that sent me a notice. But not sure if they are the ones that filed the lawsuit. I can't pull a copy of the complaint, but will get it asap.
No comments:
Post a Comment