Question about card holder agreement

[win270]

After A CC account is closed by Granter, can changes be made to the card holder agreement and I have to abide by it?

Reason I ask Is after reading through old cc statements I have found where the OC has made changes in the way interest ,late charges and over limit fees have been calculated IE>late charge went from $20.00 to $35.00

months after they closed the account. The Statement shows the Over limit and Late charges increasing as well.

This CC company has a judgment against me.

With these changes being included in the judgment filings could I use this info to have the judgment Vacated ?

[montanatim]

Unless Florida law is different, I'd think that the card holder agreement is over. Having been adjudicated and reduced to judgment, the terms of the judgment should apply now.

Unless the court specified other wise, the interest rate should now be governed by what ever statutes that govern judgments in your state.

[bigjohnstud4200]

I would think that the terms of the judgment are now in place. Some judgments allow for interest though.

[win270]

Thanks montanatim

Went and seen a attorney today he said the same.

Must have Judgment removed before this would make a difference.

He said that there was a possibility of having judgment vacated based on service of summons and if they tried again I could use SOL if that failed I could then argue Card holder agreement and balance owed. only after vacated.

Thanks aswebigjohnstud4200

You are correct They can and do allow for interest mine is 18.5% annum