- Report: #409545
Complaint Review: Emerge Mastercard
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| Emerge Mastercard 8875 Aero Dr., Suite 2
Pleasanton, California U.S.A. |
|
Emerge Mastercard Taking ME to court? Pleasanton California
*Consumer Comment: Suggestion..
*Consumer Comment: Suggestion..
*Consumer Comment: Suggestion..
*Consumer Comment: Suggestion..
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Wow! I was just served with court papers last night that Emerge Mastercard had drawn up! They're trying to sue me for $1055.54! Excuse me? I had a Providian credit card years ago which was paid off in 2002. No delinquent payments and PAID IN FULL!!! I pulled and printed my credit report and it shows on there as $0 balance due, $0 past due, "Paid or Paying as Agreed" AND it shows under Remark: Account closed by consumer. Yes, I closed the account when I paid it off AFTER I got an offer from Emerge credit card services to "re-activate" my card with a higher credit amount. I wasn't going to get tied up in credit card debt again after my divorce and bankruptcy. NOW, this "Emerge mastercard" is suing me for a credit card I don't have? I've tried to call them to no prevail. I keep getting transferred to another dept. etc., etc., etc. I have written to the attorney office for copies of credit card statements, signatures, etc. in hopes at least they will come thru for me! I doub it! Does anyone know where I can get help on this??? Seems like reporting to the BBB isn't working with this company. Class action law suit? If anyone can help me please contact me via email! Thanks!
Cheryl
Leeds, Maine
U.S.A.
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Cheryl
Leeds, Maine
U.S.A.
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
This report was posted on Ripoff Report on 01/08/2009 09:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/Emerge-Mastercard/Pleasanton-California-94566-4122/Emerge-Mastercard-Taking-ME-to-court-Pleasanton-California-409545. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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I don't really understand why the first words out of anyone's mouth is "Class Action Lawsuit". It is like they think that this is some all powerful statement. When in reality it is a great money maker for the lawyers involved, and the people of the "class" usually get nothing or next to nothing. But anyways.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
Respond to this report!
What's this?
I don't really understand why the first words out of anyone's mouth is "Class Action Lawsuit". It is like they think that this is some all powerful statement. When in reality it is a great money maker for the lawyers involved, and the people of the "class" usually get nothing or next to nothing. But anyways.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
Respond to this report!
What's this?
I don't really understand why the first words out of anyone's mouth is "Class Action Lawsuit". It is like they think that this is some all powerful statement. When in reality it is a great money maker for the lawyers involved, and the people of the "class" usually get nothing or next to nothing. But anyways.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
Respond to this report!
What's this?
I don't really understand why the first words out of anyone's mouth is "Class Action Lawsuit". It is like they think that this is some all powerful statement. When in reality it is a great money maker for the lawyers involved, and the people of the "class" usually get nothing or next to nothing. But anyways.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
The first and most important thing you need to do is go to court. It is really too late do to anything else at this point. Because if you don't go to court they will get a default judgment against you. In court you can present your defense. The main one being that you never signed up for the card. They will have to provide proof that you actually did.
While I also don't relly understand what your Providian Credit card has to do with this. Including the fact that you say that you closed your Providian account only after you received an offer from Emerge to re-activate the account. But even "if" you had the card they have only a limited amount of time to sue you if you went delinquent. This is known as the Statute of Limitations. In Main this is 6 years so if you just got sued and this happened in 2002 they may just be outside of the SOL and you could get it dismissed based on that as another defense.
Respond to this report!
What's this? 
