Comments on: Class action lawsuit settled against First Premier by NY Attorney General

By: Arthur Thomas

Arthur Thomas — Thu, 30 Oct 2008 18:28:48 +0000

Capital One is the best credit cards for those with no credit history or who have cleaned up thier bad credit. Like First Premier, Capital One will start you off with a low credit limit, but unlike First Premier, Capital will not charge you huge upfronts fees. There is even a no annual fee card.

By: TJ

TJ — Thu, 02 Oct 2008 21:21:20 +0000

they can’t report you “late” to the credit bureaus until your payment is at least 30 days late – so if you’re at 15 days right now, you’re still okay, but may not be in another 15 days. I’d advise checking back with them in about a week to see if they’ve resolved the issue and zeroed out your balance. If not, you have a couple of options: 1) pay only the very minimum payment on the balance to avoid the 30 day late and the credit report hassle. 2) file in small claims court in your county. You need to log on to your state’s attorney general’s website and research the name and address of who accepts lawsuit summons on First Premiere’s behalf. Then, although you will name First Premiere Bank as the defendant, you need to be sure you serve the papers on the agent for service I just mentioned. The agent then forwards the suit and summons to the proper person at First Premiere. Generally, it costs only about $25 to $40 to file a small claims suit and you get the back in the award if you win. Also, neither they or you can be represented by an attorney, so this really saves costs. What I’ve found whenever I sue a jackas* company like this is they will contact you and resolve the issue, remove anything negative on your credit report, etc. in return for you dropping your suit. It works like a charm usually because they don’t want the expense and hassle of having to send someone to your county to represent them in a suit worth a few hundred bucks. And, they also know that if they don’t show up and you win by default or you win with them there, they will have to pay FCRA violations fines, usually $1,000 per occurence. Not sure what violations are proper in your exact situation, but you can find out through research… Hope this helps.

By: peaved ex-cardholder

peaved ex-cardholder — Fri, 12 Sep 2008 15:16:46 +0000

I just hung up with these jerks at First Premier after asking for a annual fee refund on both of our cards that we just closed yesterday but there is a 30-day timeframe to request a refund. So of course we are 15 days late. Talk about piss me off. I then research more on them and find that nothing can be done as lawsuit is closed. Now what do I do?

By: admin

admin — Fri, 16 May 2008 21:34:22 +0000

My bad. I just found out myself. I was really marveling that someone got more than $25 from this suit.