Late payments due to move

[C Whitney]

Again, I know I read this somewhere but I certainly can't recall where.

I moved in June of 2002, I had been living with ex after divorce because of financial constraints. When I moved I filed a change of address and notified creditors of my new address when I mailed in payments. However there were 3 accounts that I had trouble receiving the statements on time and as such I have lates on 2 Cap 1 accounts where they were sending the statements to former address, ex was opening them(we both have separate Cap 1 accounts), realized they were mine and then after a week or so sending them back to the post office to be forwarded to me. Cap 1 is reporting late payment 8/02/02 and 10/02/02 and then because I didn't pay the late payment fees they are reporting a 90 day late 01/02/2003.

I read somewhere about something the creditors were responsible to do if you were not receiving your statements and had notified them of your address change. Anyone familiar with this rule, law, regulation or whatever it is?

Thanks once again for your help.

[Edit by C Whitney on [TIME]1057214478[/TIME]]

[ADSOFT]

<blockquote>Originally posted by C Whitney

Again, I know I read this somewhere but I certainly can't recall where.

I moved in June of 2002, I had been living with ex after divorce because of financial constraints. When I moved I filed a change of address and notified creditors of my new address when I mailed in payments. However there were 3 accounts that I had trouble receiving the statements on time and as such I have lates on 2 Cap 1 accounts where they were sending the statements to former address, ex was opening them(we both have separate Cap 1 accounts), realized they were mine and then after a week or so sending them back to the post office to be forwarded to me. Cap 1 is reporting late payment 8/02/02 and 10/02/02 and then because I didn't pay the late payment fees they are reporting a 90 day late 01/02/2003.

I read somewhere about something the creditors were responsible to do if you were not receiving your statements and had notified them of your address change. Anyone familiar with this rule, law, regulation or whatever it is?

Thanks once again for your help.

[Edit by C Whitney on [TIME]1057214478[/TIME]]

</blockquote>

Yes the FCBA, it outlines what to to do if they are sending the bills to wrong address after you notified them???

Do a google: "FCBA violations", the FTC webpage outlines the procedure.

[C Whitney]

Thanks Adsoft... How in the world do you guys (and gals) keep all this straight? I'd forget everything to minutes after I read it.

It's great having this board to go to with all my questions.

A million thanks.... oooh speaking of millions, I have to go check my lottery ticket! :D

[ADSOFT]

<blockquote>Originally posted by C Whitney

Thanks Adsoft... How in the world do you guys (and gals) keep all this straight? I'd forget everything to minutes after I read it.

It's great having this board to go to with all my questions.

A million thanks.... oooh speaking of millions, I have to go check my lottery ticket! :D

</blockquote>

C Whitney

I have to log off now, but you can also use it in billing disputes, and if your cell phone or utilitiy company are charging interest on outstanding bills they are regulated by the FCBA, I used it against my CELL PHONE company this month to wave my late fees.

I hope that helps ??????? :D