Simmer down buddy, all I'm asking for is advice. I'm not arguing that I don't owe them the money, I'm arguing that I made 3 payments totaling close to $1,000 and this was never applied to my account. I want to know if I should pursue showing up to court or trying to settle before court. What would you do Senior member? You lost your job, fell behind on payments, had to choose between mortgage or credit card payment, make 3 payments totaling $1,000 only to find out on your next statement that none of those payments where applied?
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Mr. Knowitall,
Thanks for your advice. I do have bank statements showing the payment to the credit card company. Today I have asked for the last 12 statements to my account to confirm that the payments were not applied. I was under the impression that the judge would look at this and agree with me that if these payments were never made but never posted, that the burden of proof would fall back on the credit card company to convince the judge that the amount they say i owe is true.
Again, thank you for your time as this is a free forum.

