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Sub: #1 Phone Calls
Replied on 11-23-2006, 07:50 AM
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I just had one of my credit card companies call me today b/c my payment is late. Are they allowed to call on holidays? I've been told in the past that collection agencies are not supposed to call on holidays, but I'm just wondering if this applies to the credit card company itself.


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Sub: #2
Replied on 11-23-2006, 10:14 AM
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Hey BrownSugar,
Are they offshore?? The reason I'm asking is b/c Cash Today called me on Thanksgiving Day last year--and we all know they're in London.
And by the way,
A very happy Turkey Day to you!!!!!

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Sub: #3
Replied on 11-23-2006, 11:23 AM
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This is a credit card company and they are located in Delaware. You would think they would be closed and at home with their families' since it is Thanksgiving.

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Sub: #4
Replied on 11-23-2006, 11:26 AM
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They can.

There are no federal or state laws mentioning that collection calls cannot be done on holidays.

Credit card companies will call because they want you to pay the debts. Try to work out suitable arrangements. They will be willing to work with your plans.

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Sub: #5 confused
Replied on 11-23-2006, 12:36 PM
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who is denis william


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Sub: #6
Replied on 11-23-2006, 01:13 PM
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Man,
Not only do they call on Thanksgiving--but you can bet they don't pay their people time and a half for working the holiday!!!!!! I almost feel sorry for them...

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Sub: #7
Replied on 11-23-2006, 01:45 PM
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Yea, they should let their staff off to enjoy the holiday.


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Sub: #8
Replied on 11-23-2006, 04:00 PM
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I'm not at all surprised that they make their staff work on a holiday - they probably don't give them benefits either.

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Sub: #9
Replied on 11-23-2006, 05:18 PM
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You are so right, SB--and they probably pay them minimum wage!!!!!!!

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Sub: #10
Replied on 11-23-2006, 05:19 PM
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Yup - and with most of them being in other countries, they can get away with paying slave wages and not be held responsible for it.


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Sub: #11
Replied on 11-23-2006, 05:21 PM
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And you would think that since today is one of the biggest holidays in America, they would think that their chances of getting alot of calls made would be slim and next to none! Almost as bad as calling people on Christmas.......

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Sub: #12
Replied on 11-23-2006, 05:57 PM
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I cut the woman off real quick. I told her "of all days of the week to call me, why today, since it is a holiday?" She said, "well, your payment is late." I told her "you could have called me yesterday or some other day, but not today!" Then I hung up on her.


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Sub: #13
Replied on 11-23-2006, 06:23 PM
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LOL! I would've said "and it will still be late tomorrow--call me then!"

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Sub: #14
Replied on 11-24-2006, 02:02 AM
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Here's a thought. Don't answer your phone on days you don't want to be bothered by creditors or collection agencies.

They can and will call any day of the week, including holidays. Most companies give this day off because they don't want to pay the holiday pay.

Sub: #15
Replied on 11-24-2006, 02:59 PM
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They can and will call you at Christmas. Trust me. I should know.

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Sub: #16 calls
Replied on 11-24-2006, 05:32 PM
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Brownsugar, They call when they want to. Drive Financial called my brother when his baby was in intensive care at the hospital. They actually called the intensive care unit at the hospital. So these companies do not suprise me at all. They violate Fair Debt Act all the time. KYSIDE38

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