what are the steps to file suit against providian i too have been a victim of providian. i went through a cccs plan in early 2003 to lower my interest, and catch up on payments. well providian did lower my interest rate to 8%, and agreed to reage the account after 3months of payments. to this date there has been no reage of the account, and it has reported 30days past due for the last 12 months. i have written to them(using those great letters from the creditnet files), and they have corresponded back to me actually admitted that they are at fault(two separate letters). they as of yet have not taken any action to correct these errors, and now when i call each time i get some lame answer as to why they have not complied. my question is how do i proceed to either sue them or even obtain a settlement. thanks. by the way great site very informative.
what are the steps to file suit against providian yes i do. i mailed the letters to the ceo of providian, and then a "customer relations" person called each time. but yes i do have two letters stating that providian is at fault and that they did report inaccurate/false info to the cra's. but to date they have not corrected my credit report or aged the account current.
what are the steps to file suit against providian Unfortunately your letters to Providian do not constitute and agreement; that is, what they will do in exchange for what you will do, etc. If you sue them, you'll need to prove that they agreed to lower your interest rate and reage your account. Did CCCS happen to make this agreement with Providian? If so, can you get your hands on that agreement? I'd hate to see you go into court armed only with your letters and notes from phone calls. That's a tough row to hoe.
