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brenda22222 · Posted: Mon Apr 02, 2007 8:43 am Subject: Proof of not missing a payment

Have proof through my bank that I have not missed or been late on paying on an account.I recieved a call this morning saying I was a month behind and I had proof that I was not,so I called them back and now they are saying they went up on my monthly payment and I must pay the difference.They said it would take me forever to pay off what the balance is now on my loan so the company decided to raise my monthly payment double and then some.I told them I can not pay this and they told me to sell something.Is this highway robbery? what is a person to do if they have kept their account up to date.

Posted: Mon Apr 02, 2007 9:26 am Subject: Proof of not missing a payment

In my experience with creditors I always ask for a supervisor of collections. A sup. will be able to verify and accept proof of payment where the collectors are just that. They do not do research they collect.
So you may want to start there. If you have proof they cannot double bill you without a refund + interest. Good luck and be persistant

Posted: Mon Apr 02, 2007 9:41 am Subject:

I would definitely follow the advice of taki2u above and speak to someone who can help you. Definitely stress that you have never missed a payment or been behind. But, I agree with you it does sound like highway robbery---I hate when they say sell something, its like you're sitting on diamond studded furniture or something. Good Luck!

Posted: Mon Apr 02, 2007 10:05 am Subject:

Or when they tell you to pawn something!

Posted: Mon Apr 02, 2007 10:23 am Subject:

Wouldn't they need to notify a person if they were raising their payments?

Also, collectors do tell you that! When we moved here and I had lost my job (fired through the mail after some surgery...it's a long story), before we filed bankruptcy, I had a few collectors asking me if we had a car...yes...then we could sell it to pay what we owed. Did we have a computer....yes....sell it. Did we have furniture....yes....sell it. Did we own or rent.....rent.....move to someplace cheaper. Were our parents still alive....yes....get the money from them. It went on and on and it didn't matter what you told these people. They didn't care and could care less if you had anything left over for anything. I think that is what finially pushed us to file after trying everything else. It is sad how these people have gotten to be any more! No reason to be that way at all.

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