- Green Member
- Posts: 4
- Joined: Fri Oct 02, 2009 11:28 am
- Location: New Jersey
$6,000 outstanding, and this is in New Jersey. Yes, it's rare that they are suing me directly, but they are. They are using a New Jersey law firm, Lyons, Doughty and Veldhuis.
Target National Bank is a weird company. I remember calling them for customer service, and it was like you got someone at their desk in Minneapolis. If you called them after hours, you got a horrible connection to India. Once, I asked the Indian to waive a fee, and he said no. I asked him his name, and he said in a thick acccent "John Smith". I just laughed and laughed!
In the lawsuit, they attached a bad copy of the Credit Card Agreement. So, I have the copy that they supplied (without the arb agreement). I'm trying to get a copy that they give new customers, that maybe shows an arb agreement. I called them as a new customer, asking if I could get a copy before I apply. They said "No". This is the contract law in 2009. You can't even get a copy of the contract that you agree to before you agree to it.
I know I owe the money, but I am just trying to delay the inevitable by getting this case thrown out of state court if I can. That is why I am still looking for a copy of the Credit Card agreement for a Target National Bank Visa.