PLEASE REFRAIN FROM POSTING QUERIES HERE.
THE COMMENTS ARE UNREASONABLY LONGER.
INTEAD,USE THE SEARCH BOTTON THERE - - - - >
1. Ask for a Statement of Account
This is the FIRST step. Otherwise, you cannot go to Step 2 without resolving this issue first.
You mean you will just accept ANY amount just because of their say so?.... okay, I give up then. go ahead, pay.
2.Once received, review.
Is it duly signed and certified correct by an authorized bank signatory?
You would not want a janitor signing your SOA, would you?
3.Offer what you can afford ONLY,not what they want.
You are the one responsible for its payment,not them.
propose reductions or waivers.
(especially those excessive charges!)
4.If there's an Agreement,document it!
no verbal agreement. they can deny it later on.
5 If they won't agree, don't force yourself to pay even if you cannot afford.
it will just dig you deeper further into debts.
6.Since no agreement can be made,let the court to decide.
(definitely, the court will reduce it!)
So now, you have your reason everytime they call.
How can they collect when you are still asking for that SOA?
How can they charge you with RA 8484(Intention to Defraud)?
How can they file a case when you are willing to settle it?
Learn from your lessons after that. Avoid making the credit card
as your financial crutches.
for supplementary reading :
http://failuretopaycreditcard.blogspot.com/2010/10/i-want-to-pay.html
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