Table of Content
See Demo of our free Account Online service and register today. I would not advise the OP to make that claim under normal circumstances. The problem is, the OP already filed an arbitration case which may very well have been an emotional screed about how horrible Citi was to him, rather than based on law. Now Citi is trying to get the arbitration forum to award costs to Citi, which would be extremely expensive for the OP.
If it had not received notice, then filing the lawsuit violated nothing. To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements checkbox.
Citi - Home Depot Card
In addition, if Citibank is the plaintiff, even if the OP had an FDCPA claim, it would have no effect on Citibankor its claimagainst the OP. You did have leverage until you refused to pay. It would be interesting to see the letters too because I am better they were less than kind. When they went to collect the money that you owe , you chose to get aggressive with them and they chose to, again, make an example out of you. Taking the advice of the board and filing arbitration and being aggressive seems to have seriously backfired.
Though I think their arbitration cost is only $300 now. As for sticking it to the man, that has different meaning to different people. Some people stick it to the big banks by refusing to purchase their products which is certainly a legal and moral method . It does not mean that we think that refusing to pay someone that you rightfully owe because you think they did you wrong.
Getting Paper Copies
If the forbearance was first offered in April 2020, that would mean that the April, May, and June payments were not required and you would have to start paying again in July 2020. Most late elementary or early middle school students would be able to calculate that. Even so, when the automated system failed, you went off the rails and refused to pay which was the wrong course of action. You then sent letters so that everyone in the Citibank organization would know who you are. So when the 6 months of non-payments was up and the account went into charge off, they sent it to lawyers rather than sell it.
The staff at our store is very personable and often remember you by name making customer service very pleasant. Available Rates As with most store credit cards their interest rates are high. If you carry a balance, which I do, their interest rates are up there. But the value of carrying the card is worth it.
Good for large purchases
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.
Customer Service Customer service is very good. When you need to return something, especially if you don't have a receipt, they are exceptional. They will look things up on the computer for you and help you find the purchase making the return easy.
Any advice on how to move forward is appreciated. We reserve the right to terminate the alerting service, in whole or in part, at any time without notice. The information in any alert may be subject to certain time lags and/or delays. The types and timing of your alerts will be managed by you, and the alerts may be stopped or suspended by you at any time. If a scheduled payment exceeds the current balance at the time of execution, you agree that we will reduce the scheduled payment amount to the amount of your current balance.
As long as my account wasn't reported as 30 days late to the credit report I would just pay the past due and continue payments. I had never been late since 2002 when I opened the card, nor do I have ANY late's on my Credit report, ever. The Citibank agent said they would see if they could remove the 30 day late. She came back and said no, 30 day late must stay on.
If not, you can shoot some holes in their bona fide error defense. If they non-suited or dismissed the case, then their defense would probably work. It appears the Citi arbitration agreement has changed some over the years. When I went against them, I was able to file in JAMS. Also, I was extremely fortunate that the law firm representing Citi in arbitration also filed against me, and served me, after I filed in JAMS.
Absent something in writing changing the terms of the card agreement you are out of luck. I really like having a Home Depot Card on hand. My husband is a handyman and is alwasybsing our card.
When you did that, Citibank, fully knowing who you are, decided to go all in to make an example out of you. Long story short, I sent letters to upper management, legal, spoke to every manager I could. I made it very clear that I would pay any over due amount instantly if they removed it and would never pay Citibank again if they did not remove it. This 30 day caused a 100 point reduction on my credit score and all my other accounts were reducing my credit limits as a result. I went into default on a $6500 Home Depot card. It's by far one of my favorite home improvement stores.
No comments:
Post a Comment