🚀 go-pugleaf

On Sun, 29 Dec 2002 21:40:49 -0600, Huang Chung <WangChung@ev1.net>
wrote:

>Intrigue1@spiritone.com wrote:
>
>>On Sun, 29 Dec 2002 18:56:53 -0600, Huang Chung <WangChung@ev1.net>
>>wrote:
>>
>>>Intrigue1@spiritone.com wrote:
>>>
>>>>On Sat, 28 Dec 2002 22:07:59 -0600, Huang Chung <WangChung@ev1.net>
>>>>wrote:
>>>>
>>>>>I got an un-asked for pre-approved credit card from Household Bank
>>>>>which I promptly threw away.  Now I have a bill from them for $59.00!
>>>>>It says I have a lousey 300.00 credit  line with them I have a
>>>>>$13,000.00 credit line with a Real bank, with real live people to talk
>>>>>to - clearly these people are trying to get money from me for nothing.
>>>>>The only phone numbers they show are not only not toll free, they go
>>>>>"to automated account information" - an account I never asked for!
>>>>>What do I do?
>>>>>
>>>>
>>>>  Legally, you could have gone out, charged whatever you wanted and
>>>>they couldn't "Demand" you repay them. If this is true.
>>>>
>>>>  Now, how to respond? 
>>>>
>>>>  They have a postage reply envelope? 
>>>
>>>There is an envelope which has to have a stamp, to pay this $59.00
>>>Annual Fee Assessed', which is the only charge..
>>
>>  I get the offers all the time..shred everything but the reply
>>envelope. Stick a old useless stamp on it, leave no return address and
>>drop in mail..Oh, include shredded material. :)
>>>
>>>>Use it and include a letter
>>>>stating you will be seeking legal avenues to have them shut down,
>>>>burned from the face of the earth etc...etc.
>>>>
>
>Very good plan - I suppose there will be a 'next time' with some other
>fraud, and I will handle it that way.  In the meantime, I'll have to
>define the charge I want to levy against these cretins in small claims
>court.  Extortion?


  Ummm..No. That's a different legal matter..

  However, I would be curious to find out (after all, it's just some
paperwork) and request a  copy of the "application" for the card.

  I recall the time I signed a contract (Now this was a long time ago)
and the amount and signatures were not entered till way after I had
signed it. (I was younger and too trusting)

  So, when they tried to come after me for the money ($1,084.00) I
pointed out that they had signed and dated it when they signed (3
months after I did) and this wouldn't hold up in court.

  They never bothered me again...