Are you responsible for the non-payment of a credit card when the statements were sent to the wrong address from day one and the account went to collections?

Answer 1

I did question it. I was called at work being asked why I haven't paid. I specifically said, "I have not received a statement so I don't know how to pay. I want to." I was told, you will get one in the mail. I never even got a card. You spent the money and didn't question the fact that you didn't get a bill? Yes, you are responsible. Yes, you will have to pay the money back. Basic rule of economics, "There is no free lunch." ...your responsible. Your responsible for all debts you incurr on the card. Receiving a bill or not is never an issue or defense. Receiving a benefit, that is what was acquired and agreed to be paid for, makes the obligation. Look - NO - READ any of the agreements you signed. It will clearly specify it. Although it really doesn't have to. Billing is a courtesy, not a requirement. You know you had to pay for it. You'll even probably find you were responsible to tell them you didn't get notices. Even if it is entirely their error, they just recorded the wrong address the whole time (although the card managed to get to you I gather)..why would you think their error means you shouldn't have to live up to your responsibilities? You knew at the time you got the merchandise you had to pay for it, didn't you? After that, anything you do to try and make like you don't owe it is just weasling.