| Message |
Author |
 Posted: Tue Jun 10, 2008 3:03 pm Subject: Wamu (Washington Mutual) |
|
|
Washington Mutual was calling daily on both my husband's card and my card that we are unable to make payments on. We had sent a hardship letter previous to stopping the payments due to a loss of income and overwhelming debt. They notified us that we didn't qualify for their hardship programs, but even if we had qualified, we wouldn't be able to make the minimum payments that they would want (I know this because we also have many other cards that we can't pay). Since I got tired of talking to them every day and telling them the same thing over and over, I sent a letter requesting that they contact me via mail or email in the future, rather than by telephone. Since I live in California, my state law does allow me to send a cease & desist to the OC. The account is under 60 days past due at this time, but Wamu has retaliated by sending my account to a collection agency who called me today. The CA was professional and courteous, but my question is this. I would like to send the same letter to the CA, requesting that communications be done in writing. With 20 past due accounts, I feel like I spend my entire day talking to collection agents, and repeating the same thing OVER and OVER. But since Wamu was so quick to retaliate regarding the original letter (10 days ago), I'm wondering what their next move would be. Does anyone have any similar experiences?
|
|
alias1958
Joined: 31 May 2008
Posts: 1163
Debtcc Points: 6761
|
|
|
| Posted: Wed Jun 11, 2008 1:23 pm Subject: wamu |
|
|
Sorry about your situation, we are in the same boat. We are behind about 4 months and WAMU has already sent it to an attorney for a lawsuit. We owe them 4300.00.
_________________
Register today to cash in debtcc points.
|
|
nic24
Guest
Debtcc Points: 100
|
|
|
| Posted: Wed Jun 11, 2008 3:59 pm Subject: |
|
|
Send the CA the Debt Validation Letter that includes the Cease and Desist statement included.
The next move is their's, if they decide to sue then you go to court and tell the court that you could not pay them and this is what you can afford based on what you make and what you have to pay.
_________________
Register today to cash in debtcc points.
|
|
Cellular
Guest
Debtcc Points: 100
|
|
|
| Posted: Fri Jun 13, 2008 2:33 pm Subject: Washington Mutual debt validation? |
|
|
I received letters in the mail yesterday from Washington Mutual regarding the letters that I sent on both my husband's account and my account. "We received your correspondence, and need to speak with you regarding your account. Please call us . . ." I called WaMu today and got recordings on both accounts saying "your account is being handled by Philips & Cohen. Please call them at . . ." My question is, do I even need to send a DV request to Philips & Cohen? I know the WaMu accounts are our accounts, and now it has been verified by WaMu that Philips & Cohen have indeed been assigned to handle our accounts. So would there be any point in sending a DV letter?
|
|
alias1958
Joined: 31 May 2008
Posts: 1163
Debtcc Points: 6761
|
|
|
| Posted: Fri Jun 13, 2008 2:51 pm Subject: |
|
|
I guess to make sure that the amounts are correct..you want to make sure that what they say you owe you really do. It is for your protection
|
|
ladybug
Joined: 29 May 2007
Posts: 2706
Debtcc Points: 24618
|
|
|
| Posted: Thu Jun 26, 2008 3:00 pm Subject: |
|
|
I am in the exact same boat- They put us on a financial hardship program for 3 months only- they would not extend it so of course they are not getting any money- I am putting food onthe table before I pay them- they call 3 times a day and never have a record of any of my prevous conversations- I no longer answer the phone and want them to just turn it over to the third party- I think they use IC System
They could not be much worse than them- we have substantial debt with others like Bank of AMerica and Citi- all have manage to either lower the interest rate or just settle for a lump sum- yet WAMU will do nothing but add 400 in fees every month- even with the account being closed- I am at witts end with this company - I know the debt is my fault but most cards are willing to do something to work with you- 
Link deleted!Cajunbulldog
|
|
dmann
Joined: 26 Jun 2008
Posts: 2
Debtcc Points: 27
|
|
|
| Posted: Thu Jun 26, 2008 3:07 pm Subject: |
|
|
I'm sorry to hear about your problems! The CA that Washington Mutual turned our accounts over to was not IC System. They turned them over to Phillips and Cohen. And actually, in the two and a half weeks since they turned the account over, we have only had one phone call on each account from Phillips and Cohen! So far, I much prefer the CA to the OC in this case! Of course, it may just be the calm before the storm!
|
|
alias1958
Joined: 31 May 2008
Posts: 1163
Debtcc Points: 6761
|
|
|
