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 Posted: Sat Apr 19, 2008 3:28 pm |
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Thanks in advance for any advice you can provide, I'm sorry this is a bit lengthy.
A few years ago I had a shipping insurance policy with a company. I never signed anything, and it was month to month and I could cancel at any time. After a year or so, I did cancel via email, which is the way the policy was originally set up. The company continued to send me a monthly bill after I already canceled. So, I called them and let them know that I already canceled. The person I spoke to said ok. I then continued receiving bills. I called again, same story. This continued for some time, until I got tired of calling them and just ignored it. To be clear I also never filed any insurance claims during the period in which they continued sending me bills after I canceled the policy, so they were in essence charging me for a service they were not providing.
Anyway, some time passes and I get a letter from a law firm stating that I owe them several hundred dollars on behalf of the shipping insurance company. It seems that at some point the insurance company just decided to stop charging me (without sending me a notice of cancellation or anything, either), and made up their own total of what they think I should pay them. Now extremely frustrated, I call the law firm, and the representative told me they "have to proceed with collections unless they hear from the shipping insurance company telling them to stop the action". So, I call the shipping insurance company AGAIN, and this time try and work my way up their chain of command. I spent several weeks of daily phone calls and messages trying to talk with anyone of authority at the shipping company. I was NEVER able to get a call back from anyone other than the bottom level customer service reps. I then called the law firm back, explained that I couldn't talk to the shipping company, and I don't owe the money. They basically just said ok.
It has now come to my attention that this law firm has put an entry onto my credit report (Experian) for collections. I am so angry about this, especially because I have otherwise flawless credit. My question is, what can I do to get this taken care of? If I file a dispute with Experian, isn't the law firm simply going to say that I do owe the money, and then it will stay on there? Please help!
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ivandoey
Joined: 19 Apr 2008
Posts: 1
Debtcc Points: 22
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| Posted: Sat Apr 19, 2008 4:19 pm |
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Who is the shipping insurance company, and who is the law firm?
When did you cancel the policy? Any proof?
When was the last time you made a payment?
What state do you live in?
Sorry to answer a request for help with a barrage of questions. But give us a little more info to work with, please...
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unclewulf
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