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It's not just a matter of time. You'd need to take care of the amount that they indicated is owed to them.
@takeshi74 wrote:It's not just a matter of time. You'd need to take care of the amount that they indicated is owed to them.
Now I am confused. According to Creditaddict, I have to be offerred the oasis program to get back in their good graces. When I called them, I was not offerred that. Besides why would I pay the amount and not be able to get another card with them. They were included within my BK. I only owed them $1000, now it is $4000 so they say. Like one of the responders stated, it is illegal for them to come after me for the amount I owe them. That being said, I may not even be qualified to participate in the Oasis program. Bottomline is - if I wanted to pay them. How can I do that, when they are not allowed to collect from me because of BK? Also, why would I pay them and then they tell me we will never give you a AMEX card. Please explain.
@Troll wrote:
@takeshi74 wrote:It's not just a matter of time. You'd need to take care of the amount that they indicated is owed to them.
Now I am confused. According to Creditaddict, I have to be offerred the oasis program to get back in their good graces. When I called them, I was not offerred that. Besides why would I pay the amount and not be able to get another card with them. They were included within my BK. I only owed them $1000, now it is $4000 so they say. Like one of the responders stated, it is illegal for them to come after me for the amount I owe them. That being said, I may not even be qualified to participate in the Oasis program. Bottomline is - if I wanted to pay them. How can I do that, when they are not allowed to collect from me because of BK? Also, why would I pay them and then they tell me we will never give you a AMEX card. Please explain.
I would ask them to break down the $4000 so you know where it is all coming from. Compound interest is a hell of a thing, I don't think its unreasonable for a $1k balance to turn into $4k in 7 years with fees and penalties added in. Did they tell you they would never give you an AMEX card? Why don't you just ask them "if I pay the balance will I be eligible to open a new account with you?" I don't know the intricacies of BK law but it doesn't sound like they are making any attempt to collect the debt from you, you reached out to them.
@VegasKyle wrote:
@Troll wrote:
@takeshi74 wrote:It's not just a matter of time. You'd need to take care of the amount that they indicated is owed to them.
Now I am confused. According to Creditaddict, I have to be offerred the oasis program to get back in their good graces. When I called them, I was not offerred that. Besides why would I pay the amount and not be able to get another card with them. They were included within my BK. I only owed them $1000, now it is $4000 so they say. Like one of the responders stated, it is illegal for them to come after me for the amount I owe them. That being said, I may not even be qualified to participate in the Oasis program. Bottomline is - if I wanted to pay them. How can I do that, when they are not allowed to collect from me because of BK? Also, why would I pay them and then they tell me we will never give you a AMEX card. Please explain.
I would ask them to break down the $4000 so you know where it is all coming from. Compound interest is a hell of a thing, I don't think its unreasonable for a $1k balance to turn into $4k in 7 years with fees and penalties added in. Did they tell you they would never give you an AMEX card? Why don't you just ask them "if I pay the balance will I be eligible to open a new account with you?" I don't know the intricacies of BK law but it doesn't sound like they are making any attempt to collect the debt from you, you reached out to them.
Correct, I did reach out to them. I don't have a problem with paying the amount that I owe. I was just wondering did anyone ever negotiated with them.
You are right about asking them would I be eligible to open another account with them, but I don't want to be suckered into paying 4K and not have an opportunity to get a card in the future.