Anyone have any legal perspective on this

For just about anything you want to get off your chest about credit cards.
13 posts
MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jan 16, 2013 6:43 am

"Final" results - can anyone guess? I bet you can. It "remains".

So, I'm going to have to file a complaint with the FTC while I seek a good NACA attorney.

If anyone knows of a NACA attorney willing to take the case, please post or PM with details. And yes I'm aware it will cost me money.

You may wonder why I'm so worried about an account that isn't hurting my credit. I'll tell you why - if they can illegally re-age that and get away with it brazenly, it's only a small step to re-age it as a collections account that DOES hurt your credit long after it should have disappeared.
Plus the fact is, whether it hurts my credit right now or not, it should be LONG off my reports. As stated it was charged off over 20 years ago with no activity since. Apparently they seem to think they can just re-age it for eternity.
Last but not least I really do not believe in the government (anymore than I believe in Santa Claus) or our legal system. I think it's all just a sham trying to hide the fact we have the best government money can buy and that our government is a wholly owned entity controlled by corporate America. (That's why they get bailouts for being stupid while if a storm wipes us out we are just told f you and don't loot a Walmart for food or we'll shoot you). I have NO faith in our legal system, and no real personal basis to say one way or the other if my beliefs and attitudes are true. Thus I have to say I'm not in the least surprised when a company open violates the law and just expects to get away with it - happens all the time here in the US where they get a free ride while we are made examples of. A good example of that would be age discrimination, or them refusing to hire anyone with anything on their legal record. Those are against the law but companies violate that law basically very openly all the time, and you never really hear about anything happening to them for it. They would I'm sure be shocked if anything did. (So would I). So, basically, I would like to test my beliefs and receive either proof that yes this is a sham as I suspected and our system is the most crooked in the world, or no, while there are examples of how our system is flawed it is possible for even the mighty corporation to be held to the law here. At least this way I can say I have actual personal reasons for how I feel.

So that sums it up. What's right is right, and it's against the law for these people to eternally re-age accounts for whatever they get out of that (what exactly is beyond me as it's not a negative but they are deliberately doing it and thus must get something). I will keep the board posted, please keep me posted if you can suggest a good attorney for me to contact. I did contact someone over the weekend but have heard nothing, most likely this won't be very important to most of them, but discovery should prove the facts and allow a win and proof that they are deliberately violating the law in the end.


MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jan 16, 2013 6:48 am

Ok, one more item - I do have some basis for how I feel regarding the government and business.

In 2000 I gave notice to my employer I was leaving. He immediately shut off my health insurance, in violation of the law, as revenge to me I assume (and of course he didn't tell me that). When I found out, I filed a complaint with the state. They responded with a letter that basically said they found proof that he had violated the law by his actions, but they chose to do nothing about it. They suggested I seek an attorney on my own if I wished to pursue the matter.

I thought you f'ers if I violated the law I bet you wouldn't choose not to go after ME for that. That's part of where I lost any respect I had for the law when I learned it seems there are double standards here.

Just wanted to add that. I do have reasons to think as I do, I guess I would like further actual knowledge one way or the other.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jan 20, 2013 10:07 am

Just a quick update - I filed a complaint with the FTC over this.

I honestly doubt it will do anything. But at least this way, I did everything I could, and so no one can say "Gee, you are complaining about the system but you didn't even bother to follow through with all of your options to deal with this." Well so far I have. If I can find a NACA attorney willing to take the case (probably unlikely) I will further pursue.

I will wait and see what happens before I say more. I have a LOT I'd like to say, but I get it about letting things work through the system and seeing if there is any true justice or if it's just one big joke (on us).



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests