| Credit Card Debt Collection issues with overdue or defaulted credit card debt. |
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09-19-2008, 12:41 PM
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Junior Member
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Join Date: Sep 2008
Posts: 21
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Payment with a Credit Card that Wasn't Activated
My question involves collection proceedings in the State of: Mo
I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................
When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.
Has this happened to anyone?
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09-19-2008, 12:48 PM
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Junior Member
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Join Date: Sep 2008
Posts: 21
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Payment with a Credit Card that Wasn't Authorized
My question involves judgment recovery in the State of:MO
My question involves collection proceedings in the State of: Mo
I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................
When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.
Has this happened to anyone?
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09-19-2008, 01:10 PM
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Junior Member
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Join Date: Sep 2008
Location: wayne county
Posts: 23
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Re: What Do You Think About This
Quoting akb0925
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My question involves collection proceedings in the State of: Mo
I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................
When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.
Has this happened to anyone?
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didn't you receive a statement in the mail for the balance after you used it?
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09-19-2008, 01:12 PM
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Junior Member
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Join Date: Sep 2008
Posts: 21
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Re: What Do You Think About This
4 months after it was used. And the balance has only gone up since then.
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09-19-2008, 04:16 PM
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Junior Member
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Join Date: Sep 2008
Location: wayne county
Posts: 23
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Re: What Do You Think About This
did you get a bill from the credit card stating you had a balance?
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09-19-2008, 05:48 PM
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Senior Member
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Join Date: Apr 2007
Location: Il.(near StL,Mo.)
Posts: 3,991
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Re: Collection in Missouri
If you got a statement with a balance, why did you not pay the balance at that time - it would have eliminated the judgment. The balance has gone up due to interest & late fees.
__________________
What do we live for if not to make the world less difficult for each other? George Eliot
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09-19-2008, 05:56 PM
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Junior Member
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Join Date: Sep 2008
Location: wayne county
Posts: 23
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Re: Collection in Missouri
alright, let's take a step back. You have a default judgment. means you didn't go to court and they won the case. Were you served properly? Did you even know you were being sued?
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09-19-2008, 06:04 PM
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Senior Member
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Join Date: Apr 2007
Location: Il.(near StL,Mo.)
Posts: 3,991
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Re: Collection in Missouri
__________________
What do we live for if not to make the world less difficult for each other? George Eliot
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09-20-2008, 07:39 AM
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Senior Member
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Join Date: Sep 2005
Location: California
Posts: 32,460
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Re: Payment with a Credit Card that Wasn't Activated
If you used a credit card issued to you, you owe the money you charged to the card.
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