Other than the above the credit card issuer can not change the terms that have been outlined in
your original credit card agreement, except for the following exceptions.
I don't care that
the original credit card agreement said they can raise your rates at any time — they relinquished that right when they entered into the balance transfer agreement at the promotional rate as long as you kept your account in good standing and didn't have a late payment.
Not exact matches
all of the complete documentation that laws require debt collection companies to maintain, such as accounting records and the
original agreement that you signed with your
original credit card company.
- Copy of the
original signed loan
agreement or
credit card application.
Now the debt collection company will have to provide items including the
original agreement that you signed with the
original creditor when you first applied for the
credit card or loan, accurate and complete records and even proof that they're licensed to collect on a debt in your state.