posted on Sep, 24 2007 @ 09:57 AM
First off you need to get a pad and a pen ready.
Right a detailed letter of exactly what happened, don't add any fluff, only the truth.
Start to get everyone's name and a time that you spoke with them.
Then always follow up with letters to the highest person in charge and cc the CFO and CEO of Circuit City.
Please let them know in your letter that you had no intention of not paying them and this was a bank error, show them the letters and the info from
the bank to prove your case.
Now if they persist on being difficult and threaten to pull your toenails out, let them know that you are well versed on the The Fair Debt Collection
Act, this many people have no idea what their rights are, but they use credit anyhow.
I always tell people that get in a pinch with credit cards to read this throughly. The Fair Debt
Good luck to you, just be persistent and diligent.
[edit on 24-9-2007 by Realtruth]