Backstory
Had credit card with Citibank. Limit was approx 25k. Became seriously ill about Jan 2013 diagnosed with Major (clinical) depression and anxiety. Owed on card approx 16k. Card had consumer credit insurance with Metlife. I made claim and they began making the payments from memory somewhere between 400-500 per month. At some point around start of 2016 all communications stopped and I received nothing from metlife or Citibank. At the time I was heavily medicated and non compus mentis and so it didn’t really click in my head or concern me. I assumed card had been paid out by metklife as there had been some talk of them doing so given my ongoing incapacity. about March 2018 I began to recover.
Jump fwd to today. Checking a now rarely used email account and see several emails from credit corp regarding a debt I owe them, all dated in March 2019. Quick check of my credit file shows a default at November 2016 year of about 10k to the card company and also shows a “relationship” with credit corp.
Link on credit corp email provides me a notice of assignment of debt in Jan 2019 of an amount approximately 10% higher than the default amount showing on credit file, and that I currently owe an amount 20% higher than default amount notified.
What do I do? I have done nothing to date, have made no contact, but am wanting to get this sorted asap, but sure what to do or say, I still suffer from the illness but not as severe and these type of dealings exacerbate it. I am currently working only parttime and would face serious hardship having to pay this out with my current income.
Had credit card with Citibank. Limit was approx 25k. Became seriously ill about Jan 2013 diagnosed with Major (clinical) depression and anxiety. Owed on card approx 16k. Card had consumer credit insurance with Metlife. I made claim and they began making the payments from memory somewhere between 400-500 per month. At some point around start of 2016 all communications stopped and I received nothing from metlife or Citibank. At the time I was heavily medicated and non compus mentis and so it didn’t really click in my head or concern me. I assumed card had been paid out by metklife as there had been some talk of them doing so given my ongoing incapacity. about March 2018 I began to recover.
Jump fwd to today. Checking a now rarely used email account and see several emails from credit corp regarding a debt I owe them, all dated in March 2019. Quick check of my credit file shows a default at November 2016 year of about 10k to the card company and also shows a “relationship” with credit corp.
Link on credit corp email provides me a notice of assignment of debt in Jan 2019 of an amount approximately 10% higher than the default amount showing on credit file, and that I currently owe an amount 20% higher than default amount notified.
What do I do? I have done nothing to date, have made no contact, but am wanting to get this sorted asap, but sure what to do or say, I still suffer from the illness but not as severe and these type of dealings exacerbate it. I am currently working only parttime and would face serious hardship having to pay this out with my current income.
