Juniper Bank Complaint - Juniper Unfair Late Fee Tactics
I purchased a computer from Apple and refinance it via Juniper. I had three month to pay the balance in full with monthly payments. I was one day late on one of those payments and they charged me a late fee of $29.00. They refuse to forgive the late charge. At that time I was financially tight because of the new mortgage. I finished paying on time the balance in my account after the three month, Dec 2007. I refused to pay the late charge. They continue charging me late fees on the late fee until the balance grew to $216.10 back on May 2008.
Now on May 2011 I continue to being charged and harassed by collection agencies who keep buying these bad debt account from Juniper and among each other in the believe hat I am going to change my mind about paying this account. Balance is now $471.97 by RPM (Receivable Performance Management LLC). They are calling every day. I try to settle this unjust bill with Juniper in May 2008 but they refused! Have copy of all the documentations. They off-course reported this to the Credit agencies and I am getting a hit of about 70 points in my credit score. I have 3 mortgages in my name for over $400,000.00 dollars and never once been late on any payments or any other CC debt in my life. Then you have this wolf practices by lenders like Juniper!!
I am willing to pay a lawyer to take this case and fix this glitch in credit but also will like to take Juniper and its credit debtor Co. One cannot charge late payments on a late payment fee for as long as they wanted. Ever since 2010 this is outlaw! Ever since then I have gotten away from CC.
How can they get away from this. Hoping that there is justice for all in this case. Shame on you Juniper Wolfs!@