Mrs Poet tried to close a credit card a couple years ago and after doing so had a ‘auto-pay’ charge go through (2 months later).
The card let the charge go through even though the account had a 0 balance and had been closed.
2 years later without any prior notice she got served. (this actually happened last month)
1 charge for 40 dollars that resulted in a claim of 800 dollars. Note she closed the account and forgot about it - and we never got a single call or letter indicating that there was an issue.
I settled for 600 because technically (as I remind her) it was our fault. Still - 600 bucks due to a 40 dollar charge. Mind you I’ve never had a single moment in the last 2 years I couldn’t have taken care of a 40 dollar charge in a moment. I paid the 600 in cash same day (because I have a savings account). This kind of crap happens to people all the time. Want to stop it - make it illegal to get more than the debt + interest max - 90% of the cost were ‘fees’ that had no basis in reality. The summons was interesting as well - I got to go through 20+ pages of lawyers that ‘looked’ at the debt.
Unreal.
