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  #1  
Old 08-19-2004, 02:46 AM
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Vikas Vikas is online now
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Default CRATE & BARRELL - HRS USA
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Address 15220 N. Scottsdale Road
Scottsdale

AZ
85254
Phone  480-315-3313
Fair share  
Electronic Payment :
Paper Check :
 
Late Fees  
Interest rate  The interest rate prevailing in the company is 9%
Re age  Only after 3 payments are received from the customer the accounts are re-aged.
Acceptable Payment  2.25% of balance or $10.0whichever is higher is the minimum amount to be paid by the customers.
Account Numbers  The account numbers of the company are maintained in 15 digits beginning with 850, 851, 852, 853, 856 and 859.
Notes  Required proposed percentage before 1st January 2004 was 2% of balance or minimum $10 whichever is higher and the required proposed percentage after 1st April 2004 is 2.25% of the balance or minimum $10 whichever is more.The annual percentage rate before 1st April 2000 was reduced to 6% and the annual percentage rate after 1st April 2000 is reduced to 9%. HRS will only contribute to Fair Share on counseling firms that are accredited.
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  #2  
Old 03-14-2005, 04:44 PM
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Default crate and barrell
They only reduced my rate to 12%
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  #3  
Old 11-03-2008, 03:36 AM
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Default Crate & Barrell debt, I never had
Many collection agencies (such as Asset Acceptance and MGM Collection agency to name a few) are calling me for quite sometime and bugging me to cough $3000 for a debt that I owe Crate & Barrell (they claim). But in reality I don't have any credit card debt through them. What to do now? Any help will be appreciated.
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  #4  
Old 11-03-2008, 03:46 AM
phoenix phoenix is offline
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Default call Crate & Barrell
Hi Miranda,

You can send debt validation letter to these collection agencies. Btw, have you called the original creditor, ie. Crate & Barell and inquire about the debt? If you haven't then please call them and inquire about it.
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  #5  
Old 11-03-2008, 05:25 AM
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NASCAR_Devil NASCAR_Devil is online now
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Depending on what C&B tell you, if you are quite sure that you have never had an account with them, I would start looking into ID Theft as a possible scenario.
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Old 11-03-2008, 10:45 PM
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Default Perplexed due to Crate & Barrell debt
Hi Phoenix, thanks for your info and suggestions. No I haven't called them yet, but will definitely call them and also inform you about their feedback.

Hi Nascar_Devil thanks for the info too. It's scary to know how to proceed in case of ID theft? Please help. I'm very scared and dunno what to do?
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  #7  
Old 11-04-2008, 03:43 AM
phoenix phoenix is offline
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Default Identity theft may have caused Crate & Barrell debt
I have found this pages which deals with identity theft: -
5 Steps To Take If Your Identity Is Stolen
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  #8  
Old 11-04-2008, 04:57 AM
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Here is the link to the FTC web site:

http://www.ftc.gov/bcp/edu/microsites/idtheft/
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  #9  
Old 11-04-2008, 08:51 PM
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Default Called CRATE & BARRELL but I don't owe them
I called CRATE & BARRELL but they said that I don't owe them anything. That sounds good but at the same time I'm worried. Please advice me what to do next? You guys are simply great. Need your help urgently.
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