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What happens if I never made payment on a CC account?


Drew
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That you defulted faster than most. It's still a debt, they can still go after you and your still bound by the original card holder agreement.

In terms of the investigation method, the usual format asks for a "payment history", what would I be asking for?

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Guest docbrotherman

There are many things you can do. Have you disputed and demanded proof of debt within UCC guidelines yet? One needs to study and understand their States' Administrative Proceedures Act and use it to kick 'em, or be kicked. Your choice.

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There are many things you can do. Have you disputed and demanded proof of debt within UCC guidelines yet? One needs to study and understand their States' Administrative Proceedures Act and use it to kick 'em, or be kicked. Your choice.

Um, yes, I am in the process of disputing the debt and requesting for an investigation.

As far as the Administrative Procedures Act, I can't find anything that may be relevant to my case. Am I missing something?

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using the card is proof enough. You can still use the ways we attack OC's and CA's.. make them prove things. you can disupte with a O/C and make them prove it.

Point taken.

I'm in the process of sending disputes to a couple of unpaid CO's. I'll see what I come up with.

I'm hoping I'll finally see some results out of this.

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