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 I had a credit card in college that went into collections. It has been over seven years. why are they calling?
IT WAS ON MY CREDIT REPORT BUT, AFTER THE SEVEN YEARS IT WENT AWAY. I THOUGHT I WAS IN THE CLEAR BUT THEY ARE STIL CALLING ME. SHOULD I HAVE TO WORRY ABOUT THEM GARNISHING MY CHECK OR FREEZING MY ACCO...


 Whats the point of filing for bankruptcy when your credit card denbt can be wiped off after 6 years?
Even if you file for bankruptcy the results are the same as if u waited for 6 years for your debt to be wiped off right? or what is the difference if u wait 6 years for ur debt to be wiped off & ...


 How many digits does a credit card have?
just wanna ...


 Getting married in september to someone with really bad credit?
Im getting married in September, but my other half has a poor credit rating where as mine is really good hence why i now control the purse strings.. I am woried that when i take his name this will ...


 How much do you/people spend a month on credit card payments?
I want to know because after reading about all the debt that you/people are all in in this credit category I don't want the big dollor low intrest rate no fees credit card that are allowing ...


 I owe money on some credit cards and?
I want to open a checking account, can the credit card companies go into my account and take money without my permission?...


 Bad credit. need a personal loan. I would like about $5,000. Any recommendations?
...


 Can a Credit card charge you fincanc charges after you have brought you accout to zero balance?
...


 Were cacn i get a prepaid master card from ?
...


 What would happen if I maxed my credit card out. And decided I was not going to pay it back?
...


 Building credit...if i pay my credit card balances in full do i get the same ammount of?
positive credit that i would get in making minimum payments ?...


 Debit card?
i have a visa debit card.. i was wondering could i use that in the same was a credit card for buying things online etc??...


 I am trying to rebuild my credit. What is a good credit card to start with?
...


 Is a credit score of 520 really bad?
my score is 520 and i want to bring it higher, and want to know how bad that is....


 I'm in 9,000 Debt and i want quick way out , anyone know who the best consolidation company to use ?

Additional Details
Iv tryed to get a Loan and no one will give me one , My credit rating is very bad , I have missed alot of payments ....


 Refused a job centre crisis loan help!?
hi i applied for a crisis loan this morning, i live with my girlfriend, and we have had no real income since i lost my job on the 22nd of august. since then we have had 2 crisis loans, 1st one for 50 ...


 Where can I get a credit card?
I'm 18, and it will be my first credit card. Where can I get one?...


 How do Iget a loan for 30000 with terrible credit! In big trouble and need help?
I have 2 children and looking for a new job but need to get out from under all the payments and just have one so I can keep up!
Additional Details
I have a job and get paid very well........


 How much r u in debt? if anyone of u are,i always seem to be in debt,i just cant seem to get myself straight?
surely im not the only one?...


 Why is it so hard to close a damn credit card these days ??
I was on the phone for ten minutes telling a representative who was reading a script in order to keep something I dont want.....



jackpot
I won a holiday?
I recieved an email telling me i won a holiday. So i called the freephone number and spoken to a rep who told me i won a week in florida and 5 days in spain full board. He then quoted that i had 18 months to claim my free holiday. I was later told that to qualify for the holiday i needed to provide my credit card details to be charged a small fee. When i refused to give my details the rep asked me if i thought the offer was a hoax. When i said yes he told me that they make profit when someone purchases a timeshare. Do you think thi is a hoax?
                     
 




theoneandonlymikeerwin
Rating
It is not a hoax per say, but they are trying to sell you a timeshare. They will likely require you to attend a one hour timeshare presentation afterwhich, they practically force you to agree to purchase one. It is very difficult to get out of purchasing one, but it can be done. So, in short, yes you do get your holiday, but ask yourself if it is really worth what you may have to go through. And you probably will be required to pay for your own transportation and any port fees if it is a cruise.


Caribbean Queen
I used to work for a timeshare company and YES it is a hoax. You have not "won" any holiday. All they want to do is take you to Florida and give you the hard sell to buy a timeshare apartment. The itinerary is strict, you do not choose where you stay and you do not choose what to do. You are basically herded like sheep with 20 other mugs who have been stupid enough to sign up.

Steer well clear.


Paul C
Rating
It's actually not a hoax. It's a legitimate offer most likely. They send you down to a place (florida) and put you up room and board. You have to listen to their timeshare offer for a specific amount of hours per day or they can charge the card. Most people think "I'll go down, listen to their stupid sales pitch for 8 hrs. But I'm not going to buy anything and then I'll be able to hang out in florida" People who sell timeshares are some of the best salespeople in the world. Believe me, if you go down, you'll buy a timeshare, they're that good. They are willing to spend a little money up fron on thier end becasue they know, if you get in their office you're buying a timeshare. Best bet? stay home and don't answer the phone.


pompeyrew
Absolutely!!! Don't phone again.
How can you ever win anything you haven't entered?

Never give your Credit Card Nos to anyone you don't know.


lol
Definately! I get this sort of thing all the time as great as it sounds I wouldnt do it. Or do a bit of research..Find out the company the rep works for and google it... =D.


sparky
Rating
without a doubt.

sorry to burst your bubble.

if you are in the uk though and have that long to claim i would check with trading standards there may be a way to get your free holiday

xxx


Robert W
more than likely it is a hoax to get you to buy something, like a timeshare. More than likely if you told them you were not interested in the timeshare, you wouldn't get the holiday. And more than likely they would take your small fee and run.


Tim
If it was free, they would be charging you a fee.


dannad
Rating
no they say it is free but you have to pay a small fee... it doesn't sound free to me.. it sounds like you are paying for a timeshare..


im_aCrazyCat
Rating
Yes it is if they're asking for your credit card details, nobodys generous enough to be giving out free holidays

And if you're in the UK then i'd like to inform you that we also recieve a call about something similar, Florida at a price discounted by 95%

BREEZE


LIL KIL
Rating
theyll take you on vacation and stick you in a room until you agree to buy the timeshare



NOTHING IS FREE< IF IT SOUNDS TOO GOOD TO BE TRUE..................... IT PROBABLY IS!!!!!!!!!!!!!!


ktrb
Of course it's a hoax. I've won two lotteries and three cruises since Christmas -- and that's just from the spam that didn't get sent directly to the trash.


**Kesha**
Rating
free is when you pay nothing, a small fee is not nothing! this is a hoax...how did they select you to win? did you enter a competition or do you not remember entering anything? If you never entered anything how can you win???? its a hoax, they all are.


Misty Blue
Rating
Question:Did you enter a competition to win a holiday? Answer : No. Then it's unsolicited mail,bin it.No.1 Rule.


Richard G
Rating
Is the Pope a Catholic?


Jason D
It's not a Hoax but they are getting you to go to a resort to do a Timeshare Tour which will waist hours of your vacation and in most cases sucker people into buying a timeshare for $30k.

Also they might be asking you for information to run your credit to see if you are able to afford buying a timeshare. They don't want to give away vacations to people who can not buy.


Gizmo
Rating
Yes, leave it well alone


joey
yes, if its too good to be true the it more and likely is.


BrittWray
Rating
Yes, its a hoax. Do not give them you CC #!


cheesypeeps
Of course it's a hoax - they'll make you pay the small fee and your flights and then hound you when you get there.
The small fee being enough to cover the cost of accommodation of course!


c g
sounds very dodgy, i had one of these a few years ago, got to the same point as you and refused to give anymore details.


fairy
duh!! its from an e-mail!! spam spam spam! don't be darft do not give out your bank details


mirrors and smoke
Who are these people? Why would they give it to you?
You don't get anything for nothing in this world.


bigoldmatty
No sounds pretty good to me............


Cathy
yes hang up & never look back


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