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 Posted: Sat Jul 15, 2006 5:14 pm Subject: Debt collection Hours |
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How late can a creditor call for past due payments?
What are the hours they can call? I just got a call at 8:00 pm ( a few minutes ago) from one of my credit cards which is with T&C. THey also called me Thursday and I called T&C and they said they would call them and tell them a payment was sent out Tuesday, July 11. To me I don't think T&C ever called them?? I told the person from the credit card collections that T&C sent a payment on Tuesday. I know when I call on Monday they will say what they told me on Thursday. THis credit card company hadn't gotten a payment since May. Now I areally am wondering about T&C and how they do they're paymens. Has anyone else had trouble with T&C Not making payments - I usually do Western Union and one time I sent a money order and they got the payment late. Thanks for letting me vent my frustration. This is the only credit card or creditors that call me now. But I will call T&C again on Monday and talk to Jessica and ask her to call this company!! I am mad right now. Karen
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oh2benc2
Joined: 06 Mar 2006
Posts: 291
Location: Virginia Debtcc Points: 3255
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| Posted: Sat Jul 15, 2006 7:58 pm Subject: |
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They can call between the hours of 8am-9pm in your time zone. Which credit card company is calling? I haven't had any problems with them not getting payments sent. You stated they hadn't received a payment since May, Has this card been with T&C since May? I was sending my payment by money order on Fridays and they were receving them on Wenesday of the next week, which made them payments late, so I went back to sending it Western Union. I was told that when you do Western Union, that they send the payments the following Monday.
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NotsoLucky
Joined: 02 Nov 2005
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| Posted: Sat Jul 15, 2006 9:32 pm Subject: |
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I also always send my payments Western Union because of the timing and because someone else had a payment lost that was by money order. I would definitely call T&C to find out what's going on but you will be disappointed to find out that Jessica is no longer there - I know I was very disappointed to find that out but did talk to someone who was very nice and helpful.
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CycloneFan
Joined: 05 Dec 2005
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| Posted: Sat Jul 15, 2006 9:40 pm Subject: |
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When I asked for Jessica they said she wasn't handling my account anymore, but didn't say she no longer worked there. I spoke to someone name Cheri.
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Lorri
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| Posted: Sat Jul 15, 2006 11:33 pm Subject: |
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Was the call from a Collection Agency or from the Original Creditor? Original Creditors are not legally bound by the FDCPA. Many adopt the FDCPA as a policy, but legally they can call whenever.
If you got the call at 8:00 PM exactly , then auto dialer probably started dialing prior to 8:00 , but the call was not connected till 8:00, I know thats lame, but will most likely be their excuse.
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LCW
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| Posted: Sun Jul 16, 2006 5:03 am Subject: |
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I started with T&C in March. The call was from Applied card visa and I got it right at 8:00pm I looked at the clock when they called. When I called T&C on Thursday I spoked to Faye and she said that whoever I spoke to was to call Applied Visa or whatever it is called and I don't think she ever did. I will call them on Monday. I like Faye at T&C she is nice and friendly and helpful. I have gotten two calls from this company and a letter and email! all this week. I only sent a money order once but will keep sending the money by Western Union.
Thanks for your help.
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oh2benc2
Joined: 06 Mar 2006
Posts: 291
Location: Virginia Debtcc Points: 3255
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