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Originally Posted by kashtan30
I just received a notification letter to my card agreement.Bank Of America is raising my interest rate.Should I write" I accept it upon proof of claim" How Can I eliminate credit card by novation?Kevin
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The Creeps already have your consent with the original 'agreement' they sent you that states that they may up your interest rate at any time for any reason they want. Thats why the government needs to reinstate anti-Usuary laws(but they never will). They have also gotten allot more hip to novations that include any 'discharging the debt' types of language in that they also include lingo in that 'agreement' or in statements sent to you that any extra language added to a payment stub or check will not be accepted. Altho every once and awhile someone actually gets one thru! But I believe it is much tougher to get these days? I wish you the best of luck if you choose this path. Be prepared to be chased by an endless array of creeps and debt attorneys. Since everything is on computer data bases these days the creeps can find out all sorts of info by just clicking away. Clear out your bank account and monitor your local court to see if any actions are pending against you once you embark on this journey. These clowns will chase you for just about ANY amount claimed.
As for incorrect information that may be in your account info such as wrong mothers maiden name, etc. they will skate right around this issue as well.