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What can you do about those late credit card payments?

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr I am a firm believer in not making the same mistake twice; I prefer to make new ones instead.  In that vein, please do me a favor and double-check the way your credit union handles delinquent credit card accounts.Late last week, a federal district court in Massachusetts ruled that American Airlines Federal Credit Union violated both the Truth in Lending Act and a similarly worded Massachusetts state law by seizing funds in the member’s account after she became delinquent on credit card payments due to the credit union.  A recurring question that the Association’s Compliance Department fields is just what steps credit unions can take to “offset” member funds when they fall behind on credit card payments.  The case provides a great opportunity for everyone to remember the basic rules and double-check their procedures.  (See Martino v. Am. Airlines Fed. Credit Union, No. 14-10310-DPW, 2015 WL 4920015, at *4 (D. Mass. Aug. 18, 2015)).The most important thing to keep in mind is that the Truth in Lending Act extends added protections to credit card holders.  Consequently, if you want the option of claiming funds to recover delinquent credit card payments, there are several steps you must take ahead of time.  Fortunately, this is one area where the regulations are self-explanatory. continue reading »last_img read more

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De Gea stars as Manchester United settle for Sevilla draw

first_imgSeville, Spain | AFP | David de Gea deflected the attention away from Paul Pogba with another spectacular display of goalkeeping as Manchester United came away from their Champions League last 16, first leg against Sevilla in Spain with a 0-0 draw on Wednesday.De Gea made two breathtaking saves to deny Steven N’Zonzi and Luis Muriel at the end of the first half at the Ramon Sanchez Pizjuan, denying Sevilla a lead to take to England for next month’s return.Sevilla were the more likely side, with United offering little going forward despite the presence of Alexis Sanchez, Romelu Lukaku and Juan Mata in their attack.Lukaku had a late goal disallowed, but United’s was the kind of cautious approach seen time and again in such games by Mourinho’s teams down the years.Their inability, unwillingness even, to get an away goal leaves the tie wide open ahead of the second leg, with United looking to reach the quarter-finals in their first appearance in the knockout stage of the Champions League since 2014.“The only moment where we felt relieved was in the last couple of moments of the first half when from a couple of our mistakes in possession they had a couple of good situations and De Gea made good saves,” said Mourinho.His team managed just one attempt on target to Sevilla’s eight, but Mourinho added: “Apart from that the game was even, but the statistics are what they are.“I really feel the result reflected what the game was — you ask me was it a good result, and I say it was not good and not bad.”Mourinho decided to leave Pogba out of his starting line-up, despite the Frenchman being back in the squad after illness had kept him out of United’s FA Cup win at Huddersfield Town.Fuelling the speculation of an uneasy relationship between Mourinho and the France midfielder, the United manager chose to select 21-year-old Scott McTominay ahead of Pogba in a midfield three. – Pogba thrown on –However, an untimely injury to Ander Herrera meant Pogba was thrown on after just 17 minutes of a first half dominated by the Spanish side.Sevilla, looking to make it past the last 16 of the Champions League after falling in their three previous appearances at this stage over the last decade, could and should have had a goal to show for their performance.De Gea made one good early save low down to deny Colombian Muriel, while Jesus Navas, impressive at right-back, fired just wide after latching onto Ever Banega’s cross-field pass.Stepping up the pressure just before half-time, Joaquin Correa’s shot from a good position was too easy for De Gea, but the Spain ‘keeper displayed all his class as he kept out headed attempts from N’Zonzi and Muriel from point-blank range, both saves requiring breathtaking reactions.The importance to United of not letting in a goal was clear — they had kept eight clean sheets in their 10 matches before heading to Andalusia, with their only defeats in that time coming in the two games in which they had conceded.And they were content to leave Spain with a 0-0 draw, continuing to soak up pressure in the second half and relying on Sevilla’s indecision in the final third.They were also aided by Pablo Sarabia’s inability to find the target from an inviting Muriel cross in the 73rd minute, before Lukaku’s goal was ruled out by French referee Clement Turpin for a handball as he controlled before shooting.“I am very happy with the character shown by the team,” Sevilla’s Italian coach Vincenzo Montella told Spanish television. “We have to be pleased with the performance. The 0-0 leaves everything open.”Whether Mourinho’s team should have been more adventurous will only become clear after the return in Manchester in three weeks.Share on: WhatsApplast_img read more

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