Re: Gulf State Credit

Posted by Olivia H. on September 15, 2001 at 20:51:31:

In Reply to: Re: Gulf State Credit posted by N on February 26, 2001 at 12:28:57:

: I was foolish enough to default on three credit cards, one of which was sold to Gulf State Credit. THe other two cards have been paid off via a credit counseling company, but Gulf State will refuse the automatic payment, slap me with a late fee almost equal to my payment, then accept the payment the second time Genus tries to put it through. I called them (don't have their number anymore) and asked them to please mail me a history of my account and was told they could only release that to a lawyer. These people are evil, but I did bring it on myself by being a flake five years ago and defaulting on a loan that was sold to them. Avoid Gulf State Credit at all costs!

First, if payment is refused (according to the law with the exception of large quantities of coins) the bill is legally considered payed in full.

Second, refusal to send a payment history to the individual whose name is on the bill is against the Federal Credit Lending act of 1979.

Contact the Federal Trade Commission, and your state attorney general disclosing what you did in this email. Suggest to your attorney general to contact the attorney general in the following state as there are compalints in these states as well: Missouri, California, Virginia.

Also, it is illegal for them to contact you before 8 am and after 6 pm. It is also illegal for them to contact you at work. If they do this, contact the Federal Communication Commission.

If you send them a letter (certified return receipt, and keep a copy of the letter for yourself) ordering them to cease and desist any further action on this account (include number listed on the bill), this makes it illegal for them to contact you in any manner.

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