2014-02-17justizz.com

``I disputed the charge immediately via certified mail (I recommend certified mail letters immediately when a dispute arises) and they failed to respond. They then demanded the $1200 be paid or they would (and did) mark my monthly payments late (which they never were-it was that I refused to pay the extra disputed amount). After ten months my credit report had been marked late 10 times, and my credit was ruined.

Of course I fought back. I filed suit in my local New Jersey court against the bank, and had them served in California. I represented myself (more on this later). The bank, at a cost of at least $3,000 hired a local law firm that submitted elaborate papers. It seems that in their lengthly loan agreement, there was a provision that any disputes would be heard in Orange County, California. The Judge found for the bank, and I was then faced with having ruined credit, or going to California to fight the bank.''



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