Hello All! I am new to this and just discovered the site. I need help. I am a 22 year old college student who went away on a Travel afar education program for three months. Before I left, I made plans for my guardians to make my Cross Country Bank payments. To make a long story short; the payments were never received and I got behind. When I tried to contact Cross Country Bank to make my payment arrangements, they had tacked on late fees, over-the limit charges, and interest. My original credit limit was only 900.00. The wanted me to make a large one time payment of 360.00. I explained to them that this was too much for me to pay at one time. At any rate, the matter went on and on and before you knew it, they turned me over to a credit agency who called continuosly and would not work with me. I am a college student and cannot afford to make large payments. Here is the good part!!' Today, I got a message from an attorney. When I called her, she told me that CCB had retained them to go after me. My bill is now 1200.00 and CCB wants the money. The attorney said that if I did not set up a payment plan with her to get it resolved, they were going to take the matter to court and then I would have to pay another 1200 or so fee for them prosecuting me. I told the attorney that I wanted to pay the bill all along but I can not afford to make a one-time large payment. She pressed and pressed and told me that they will put a lien on my car, (which is not paid off yet) and/or garnish my wages ( @ 40% a month) until the balance is paid. I told her again that I cannot afford to make a large one-time payment. She told me that I needed to borrow it or something. At any rate, the attorney got so frustrated with me that she flew off the handle and yelled and said they would see me in court!! She hung the phone up in my face. All this for 1200.00, most of which are fees of CCB! Can they take my car? I don't know what to do or what is going to happen. Someone please respond to me. You guys sound like you have experience. Thanks a lot!!!
RE: Cross Country Bank : " I'm in California and in this state there is no way Cross Country could get a 40% wage garnishment. That's an empty threat. I hope someone can answer your car question here. Cross Country is simply impossible to deal with, even when you pay your bills on time.
RE: Cross Country Bank : Just sign your car over to a trusted freind, and walla, crooks country cant touch it!
RE: Cross Country Bank : " Make some payments...they won't pursue you...they haven't got the balls.. Research the FTC and FDIC websites and review your rights... Stop sweating...if you start making payments (the bigger the better) you'll be fine.. If you need some further advice, e-mail me at ccbcrooks@aol.com..
RE: Cross Country Bank : " The best defense is a strong offense. I suspect the person who called you was not an attorney, but an employee of the law firm that does collections. No attorney who graduated even at the bottom of his class would waste precious billing time calling on past due credit card accounts. I would go to an attorney for advice and have the attorney call the "so called" attorney who threatened you. Most attorney's will do a consultation with you for a modest fee, or if you have a friend who is a lawyer have them call. Send them a payment right away regardless of what they asked for, this shows good faith which will make it very hard for them to sue you.
RE: Cross Country Bank : " Rod relax in most states the most they can garnish is 25% and if your the head of household they can only get 10%. As for the car the could possible put a lien on it, but they can't take it. It means you can't sell it or trade it without them being paid first. But I would send them a payment and as stated above it will show good faith and make it harder for them to take you to court as long as you send them something each month. But until you get the balance below your credit limit you will be charged a overlimit fee each month. So I would do whatever it takes to get that balance below your 900 dollar limit ASAP, the longer you take to do this the more fees that they will add on. I hope someone can give you some a better picture of things but from my experiences this is what I would do. Good Luck, dealing with CROOKS COUNTRY BANK is like having a root canal without being numbed up first. BOB
RE: Cross Country Bank : " Garnishment takes a lot of work...let an attorney write a letter for you offering a payment plan, and then stick to it. To garnish, they need a judgment, which means suing you. I've seen and heard of debts a lot larger where no one got sued, especially when you are dealing with CCB... Don't sweat it, just get it paid off...
RE: Cross Country Bank : " Send them any amount of ernest money to show your sincerity. Say fifty dollars a month. Once they accept the money from you, and you are showing, some kind of regularity per moth you will be off the hook. There are legal aid societies who work cheap or free. Your college administration should be able to get you in contact with free legal help. Write down and keep track of everything that happens and see some sort of real lawyer. Get off the web and get genuine legal help. A halfhonest judge is going to be far more disposed to help you in preference to the finance people. Yhey cant touch anything of yours without a court hearing at which you have to be present. They cannot harrass you. Harrassment and intinidation are felonious in al 50 states. If they come down too hard you will be the one in a position to threaten serious legal action
RE: Cross Country Bank : Cars, they called and threaten my stepson who is a minor that they were coming to take the money he had if I did not pay what they wanted. I have been fighting them for over a year now. I lost my job and have been trying to get my cap insurance to kick in since I have made payments but can not make what they want and they called me today 14 times even after I sent them 7 registered letters demanding they stop and they still call I record every call and am just totally fed up with these wackos. They keep telling me the cap insurance will fix everything but I bet they never paid cap is the problem the crooks charged me for it and probably kept it for themselves.
RE: Cross Country Bank : Contact the FDIC, your state AG, and DE Bank Commission...bury them in proof...and lastly, Dateline might also find this interesting...visit www.jerrydj.com/ccb for more info on whom to send the Dateline info to...
RE: Cross Country Bank : " Sir, I am an ASSOCIATE of Croos Country Bank, it sounds like you need to read your credit card agreement a little more thoroughly!!!!! And pay your bill!!!!
RE: Cross Country Bank : " Madam, I am an ex-associate of cross country bank and I think you need to read the fdcpa a little more thoroughly!
RE: Cross Country Bank : " CCB needs to read its own fine print; viz: To terminate prior to renewal, one mails the cut-up card, notice of termination and billed amt IN FULL "to the address on the real of the billing for that purpose." Eagre to quit that sink-hole, I did just that - to the letter - and can prove it. I then got a letter from a CCB VP thanking me for being a customer and closing my account. The next billing cycle I received the standard form billing. They thanked me for my "payment" charged me the the $50 annual fee, showed a "finance charge" of $2.49 and warned me that late payments cost $27! All of this after I closed my account and paid it off in full. I have so informed CCB and we'll see if they are merely disorganized or if they intend mischief.
RE: Cross Country Bank : " As I read the postings, I'm totally amazed at the lack of responsibility here. Everyone here that claims to have had an account with CCB have yet to say how they neglected to read the credit card agreement. They place all the blame on CCB. We did not force you to use your accounts without first reading the agreement that comes with each card. You chose to run out and max your accounts out before first thinking. Credit is a privilege. You abuse it you lose. We are a second chance lender. You obviously had major problems before you came to us. You might want to start looking at yourself. And take responsibility. Your credit is what you make...think about it!
RE: Cross Country Bank : " You people at CCB are crooks. Instead of helping people, you DESTROY their credit. I and thousands of others, will get you. Have you ever heard of "class action"?
RE: Cross Country Bank : " I had my account 45 days. Still can't get off credit report. Not going to pay riduculous charges.