Legal Question in Credit and Debt Law in Virginia

Fraudulent credit card solicitation
When buying a computer, I was offered to establish a credit account with the computer distributor. I did not want to establish the account, but was convinced by the sales representative to do so, because she had promised that there was no interest/finance charges that would apply. I opened this line of credit with the company for the sole reason that no interest rates would be charged to it. However, after the first statement came, I noticed that they had charged me interest and when I called them to resolve the dispute, they argued that they made no such representation about the interest charges. The sales representative claimed that she had ''no recollection'' of offering a credit account with no interest rate. I did not pay the interest, though I did pay off the principal, and now the company has sent my account to a debt collection agency. This has affected my credit rating and my interest rates on my other credit cards. I would like to sue the company in small claims court in VA. What possible theories should I sue upon?

Asked on 5/22/04, 12:31 pm

Michael Stone Law Offices of Michael B. Stone Toll Free 1-855-USE-MIKE

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Re: Fraudulent credit card solicitation

What does the written contract say? The oral promises made to you mean nothing.

Answered on 5/22/04, 7:50 pm

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