CARD SERVICES?(mycardaccount.com) AN OC or CA???? formerly providian/aria?

[Confuzed]

Way back in 2001 I was given an Aria card issued by Providian. Then, it was sold off to some no-name company and the following became the new OC:

Card Service Center
P.O. Box 9201
Old Bethpage, NY 11804-9001
(www.mycardaccount.com)

They purchased all the high risk debt from Providian in 2002 I think. They have not charged off my account and keep calling. In 2002 a new mastercard was issued without any logo, name, just a plain credit card with the mastercard symbol, almost looked fake and my statements were on mycardaccount.com. All other creditors have charged me off except this one and it has been over 6 months.

How do I handle them?(877) 487-5583 is the # they call from and shows up as Merick bank in a google search??? Weird. When they purchased all the high risk debt from providian back in 2002, I was never asked to sign a new agreement, although I reactivated the new card. I also got hit with a 29.99% APR. I begged them in 2004 to lower it, they refused.

My concern is that since this company bought all the debt, are they both the original creditor and collection agency, which means that a cease and desist will not work? Anyone have this same situation and know what the real scoop is on this company? Thanks!

[Nicollette]

Way back in 2001 I was given an Aria card issued by Providian. Then, it was sold off to some no-name company and the following became the new OC:

Card Service Center
P.O. Box 9201
Old Bethpage, NY 11804-9001
(www.mycardaccount.com)

They purchased all the high risk debt from Providian in 2002 I think. They have not charged off my account and keep calling. In 2002 a new mastercard was issued without any logo, name, just a plain credit card with the mastercard symbol, almost looked fake and my statements were on mycardaccount.com. All other creditors have charged me off except this one and it has been over 6 months.

How do I handle them?(877) 487-5583 is the # they call from and shows up as Merick bank in a google search??? Weird. When they purchased all the high risk debt from providian back in 2002, I was never asked to sign a new agreement, although I reactivated the new card. I also got hit with a 29.99% APR. I begged them in 2004 to lower it, they refused.

My concern is that since this company bought all the debt, are they both the original creditor and collection agency, which means that a cease and desist will not work? Anyone have this same situation and know what the real scoop is on this company? Thanks!

I would think that Merrick Bank would be the OC. I used to have a cc with them and I included in my BK. I was months behind on my payments and they never did charge it off. They just kept adding late fees. They contacted me almost everyday until my case was filed.

[EricaCallaha]

Merrick Bank just became your new Original Creditor. They suck. They just call and call and don't seem to get that you have a lawyer and a case number. After my lawyer threatened to sue them...they left me alone.

[catleg]

It sounds like you have a balance you'd like to get out from under.

When was your last charge or payment on the account?

What does it show on your credit reports?

[Confuzed]

My account was originally the Aria Mastercard issued by Providian, also known as GetSmart visa before Aria, Providian circa 2002-2003 dumped all there high risk accounts to Card Services Center who issued a new card and a higher interest rate while the card account was in excellent standing! The card was literally a no name card, and I never dealt with Merrick Bank, they just come up when googled.

I thought the law required a charge off after 180 days. They kept the account so just wondering how to deal with them since they dont really offer good settlements, the apr is almost 30%, and an OC doesnt honor DV/CD.