bad credit cards

Anticipated or current Class Action Lawsuits & Consumer Joint Efforts
We are currently canvassing for attorney's that may help or that handle such cases as these.
SILICON MOBILE, AKA SILICON TOP: Contact	Posted 2-12-2005
compu-wizzard 536 church st. n. concord, nc Phone: 28025 EmailAddress: compuwizzard@vnet.net Complaint: this is about silicon mobile, same deal , i am a small computer retailer in concord, nc and was contacted by david at silicon mobile, he wanted me to sell his computers in my store front and pay after they were sold or in 45 days. he asked for a cancelled check to send laptop, so i faxed a copy of a company check. i got the laptop in 5 days. i could not sell the overpriced computer, so i called david, in which he answered the phone by a different company name, i told him that i could not sell the machine so he said i could have 15 more days, i told him that i am selling dells for $699 so to try to sell his crap at cost ,$1298.00 was impossible, so i wanted to return, he said that i couldnt cause it was too long and past the 30 days, which he said he would give me 15 more days, so he sent fedex to pick up machine, which i sent back like he asked, well 2 days later i find a draft withdrawn from my account for $1298.00 without my signature not required. then i calle! d and asked him where my money was, well he doesnt call back , he faxes me a letter to say that the compter was not in the original box, it was a box inside of a box, that was on the outside of the box that the compter was in, then he claims theres some fees of $260 for restocking and fedex, and that he wanted the original outside box ,and claimed that i didnt send the case that it came with, mewhile i bought 8 laptop cases from him several moths ago, so that was the case i sent with the computer, instead of taking the $260 out of the $1298.00 that he fraudulently took from me he thinks my dumb ass is gonna send him another check, this has cost me so much grief that i had to change my checking account so he cant use it again, this is what help i got from my bank. this company is a fraud and they have several differant names that they go by, he also sells herbs.which i think he smoked too much of. i hope that some day someone can do something( like the government) to a__ __ h! oles like this. i dont know about you but this is alot of money and i work very hard for my money and some people are honest and some ain't(silicon mobile tech inc.)i hope he rots in hell for ripping people off god bless the little man.if you have been ripped by this guy call me at 704-786-0508 and maybe we can all get together and get this bastard!!!!!!!!!!!!!!also i was never told all sales were final.i did what this man asked and still got screwed, i should have kept the computer, but that tells you how honest i am. i did what he asked and got screwed 2xs, but this is a very valuable lesson!!!! me the dumb ass!!!!

AT&T UNIVERSAL CARD: Contact	Posted 2-12-2005
Jennifer W. San Antonio, TX EmailAddress: emailjenniffer@yahoo.com Complaint: I HAVE HAD IT WITH AT&T UNIVERSAL CARD. I AM CONSIDERING A CLASS ACTION LAWSUIT BUT NEED HELP FROM OTHERS THAT HAVE THE SAME SITUATION AS ME. THIS IS MY STORY: I have had the card for 5 years. I got into financial trouble after losing my job in March 2003. I was out of work for close to 3 months. I called Universal Card to ask if I could defer ONE MONTH of payments so I can get back on my feet after starting a part-time job, while still seeking full-time. I was told of a payment program by a rep there. It was explained to me as this: The program is for 12 months. No interest, no fees during that time will be accrued on your account. The minimum payment, $135, will be automatically debited from your account each month. If you bounce one payment the program expires. I signed up. Who wouldn't? My balance at that time was approx $11,000. All 12 payments were made on time, never a problem. The program expired, and I recieved a bill. The minimum due was over $500. MINIMUM. I called, very confused and distraught, to ask why and if something could be done. That's when it was explained that the interest was "defered" no waived during that program. Had I known that it would be tacked on in the end, I would not have agreed to that program. I was also informed that my rate was now 29.99%. I about had a heart attack . I asked if they could lower that to something more manageable. I was told "NO", belittled, told "you made your debt problem, now deal with it." I made the minimum payment so not to hurt my credit. After making the payment, I called and spoke to another rep. I asked the same question, lower the rate please. No. I asked to talk with a supervisor, I got more attitude from them than the first rep. My most recent payment minimum due was $740. I am now over the limit because of interest. My minimum due is all interest, with the exception of $5. I keep struggling so not to damage my credit. My rate is still 29.99%. The refuse to send me back statements from when I started the program. They refuse to lower my rate. I am hung up on by "supervisors" when the call escalates to them, or transfered to the collections department even though I am not late. I can not get anywhere with them. Tonight alone I called 4 times, was hung up on twice, and transfered I don't know how many times to people who were misinformed of my want. The reps don't listen,lie to you, misinform you, don't help, and do just about everything possible to make you upset. I could go on and on with this story. Please contact me if you like. I am consulting an attorney next week (feb 2005) to see what, if anything, can be done and how costly it will be for me. I regret the say I took this card. My email is above, please lable the subject line as AT&T card. Thank you for taking the time to listen.

CHASE: Contact	Posted 11-29-2004
Jo Anna Email Address: hellbent@nyc.rr.com I am speaking with a consumer rights lawyer who is interested in starting a class action based on my dealings with Chase Visa. I noticed your note re litigation on the website, and he too,said that the problem is that it is too expensive for an individual to pursue these seemingly illegal issues. However in my case there is a provable bait and switch re a transfer check that was posted and the rate never given, while the APR doubled because I had amassed additional debt--talk about getting you coming and going. I noticed you have a litigation area, and would like to know how I might post there. From what I understand, it only takes one person to start a class action, but the more the merrier...and there seem to be a lot of us out there.

Citibank: Contact	Posted 11-3-2004
Patte California EmailAddress: hunterzmom28@yahoo.com Complaint: Citibank is harassing me by sending me solicitations for credit. I tried to apply, and was turned down. I was told that my previous bankruptcy, which is discharged in full from my credit record, will forever remain in Citibanks files, a previous creditor on the bankruptcy, thereby making me ineligiable. Since they say I am not eligiable for credit through their establishment, I have written letters to various management in the corporation in an effort to get these solicitations to cease. They continue to ignore my requests, going beyond just being harassing. I would be interested in hearing from anyone who is suffering the same problem. I see the Fair Credit Act does not cover this problem, and would be interested in pursuing legal action to change to law.
Orchard
Karen Wilkes-Barre, PA Complaint_against: Orchard Bank Complaint: I too have had several problems with Orchard Bank. For example: Yearly fee put me over my credit limit resulting in them charging me an over limit fee. I called and asked to have a limit increase (which they did) and I found out that I asked for a $100.00 increase and only got $75.00 because they charged me a service charge of $25.00. Their overlimit fee also caused my account to go from 22% to 30% and they never informed me of this. I had trouble making an online payment. I used 2 totally different computers so I know it was on their end. I immediately sent them 2 emails telling them I was unable to make my payment on time because their online program was not working properly and of course they still charged me a late fee. I have filed a complaint with a lawyer that does class action suits and he just informed me that he is proceeding with the complaints he has against Orchard Bank. Please join in..........the more people we have the better chance of getting a good result and maybe putting an end to their unfair practices.