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 Posted: Sun Nov 18, 2007 10:28 am Subject: I got my first settlement email today
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I have been reading and learning so much here. I sent out my certified letters, and today I sent emails as well advising that I no longer allow access to my bank account, and that all payments would be sent in,
My first response was from CashNetUsa, here is what they said:
| Quote: | Thank you for contacting us to inquire about how you can pay off your balance. The payment plan we can offer is below.
$437.50 due on 12/31/07
To confirm your agreement to this payment plan, please reply to this email stating that the terms are acceptable. You must include the original email with the terms to which you are agreeing in your response and specify your payment method.
PAYMENT METHOD
- Bank Account
- Credit/Debit Card
- MoneyGram
- Western Union
If you are paying via credit card, please provide the following details.
Type of Card (Visa, MasterCard, American Express, Discover):
Card Number:
Expiration Date:
3 or 4 digit verification code on the back of the card:
Your name (as it appears on the card):
Billing address of the card:
Collection procedures will continue until an acceptable payment arrangement has been made.
If you have any questions or concerns, our collections team is available seven days a week via phone and email.
CashNetUSA Collections Department
888.801.9078 Direct Line
866.326.5265 Fax
cashnetusa.com
Mon-Fri: 6am to 11pm CST
Sat-Sun: 8am to 8pm CST
Stephanie G |
Here is my response to them:
| Quote: | Hello,
First of all , my balance is $417.50 not $437.50 At this time I am not able to agree to this agreement. I do not have and will not have the full balance by the date given. With it being almost christmas time, this is not even a possibility.
I understand that Collection procedures will continue until an acceptable payment arrangement has been made.
But I also understand (as I recently said in my email) that you must offer payment arrangements that we both can agree on, and at this moment I am not accepting this agreement.
As I also, stated in my email, I am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account will be rejected by my financial institution. And if payments do go through I am prepared to take the neccessary steps to reverse those charges as you are no longer authorized to do so.
As soon as we reach an agreement I will send in my payments but I will not (I Will not budge on this issue)use these:
Bank Account
- Credit/Debit Card
- MoneyGram
- Western Union
I am only willing to send in money orders as I will not give you access to any of my info. |
(name removed for your safety. cannr)
I am no longer freaking out here as I am learning on how to deal with these people.
Am I doing this right?
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tinabarr
Joined: 15 Nov 2007
Posts: 68
Debtcc Points: 2195
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Posted: Sun Nov 18, 2007 11:06 am Subject:
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You are doing great!! Stay strong..One thing, did you send a wage assignment revocation letter to Cashnet, and also one to your HR? If not, do that right away.
_________________
"It's a treat, being a long-distance runner...."
Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
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Joined: 17 Feb 2006
Posts: 7021
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Posted: Sun Nov 18, 2007 11:50 am Subject:
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| Quote: | | You are doing great!! Stay strong..One thing, did you send a wage assignment revocation letter to Cashnet, and also one to your HR? If not, do that right away. |
Yes, I have, what does HR? mean?
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tinabarr
Joined: 15 Nov 2007
Posts: 68
Debtcc Points: 2195
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Posted: Sun Nov 18, 2007 12:06 pm Subject:
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HR is human resources. I will second FIn. Great Job!
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pybasj
Joined: 08 Aug 2007
Posts: 826
Debtcc Points: 5505
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Posted: Sun Nov 18, 2007 12:56 pm Subject:
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I think you're doing great, but I disagree with you on not being willing to use MoneyGram or Western Union. They don't get any of your personal information when you use those and they are much more easily traceable than a money order - especially when the lender says "We never received your payment . . ."
_________________
The law is a lot more complicated than some folks would have you believe.
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FreakyFriday
Joined: 13 May 2007
Posts: 336
Debtcc Points: 4739
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Posted: Sun Nov 18, 2007 1:18 pm Subject:
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They also both cost extra money to send though.
_________________
Register today to encash debtcc points.
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Guest
Debtcc Points: 100
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Posted: Sun Nov 18, 2007 1:40 pm Subject:
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i would not send the money westen union or money gram also. money order only!
_________________
when rich people hit rock bottom, they fall hard; people like me, we just roll over.
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granny
Joined: 07 Sep 2007
Posts: 450
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Posted: Sun Nov 18, 2007 2:06 pm Subject:
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I disagree, Granny. It doesn't cost much more than buying a money order and sending it certified mail, return receipt requested. And I've heard too many people say they sent money orders to companies only to get caught in a "he said, she said" when the lender denies receiving it.
_________________
The law is a lot more complicated than some folks would have you believe.
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FreakyFriday
Joined: 13 May 2007
Posts: 336
Debtcc Points: 4739
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Posted: Sun Nov 18, 2007 5:09 pm Subject:
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| Quote: | I disagree, Granny. It doesn't cost much more than buying a money order and sending it certified mail, return receipt requested. And I've heard too many people say they sent money orders to companies only to get caught in a "he said, she said" when the lender denies receiving it.
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I am sorry if I sound dumb.....but how does one use money grams? I have never heard of them. Where and how much does it cost to use a money gram?
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tinabarr
Joined: 15 Nov 2007
Posts: 68
Debtcc Points: 2195
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Posted: Sun Nov 18, 2007 6:32 pm Subject:
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Tina, You can do Moneygram at most Wal MArt service desks. This is info from their web site:
| Quote: | MoneyGram offers a wide variety of payment products and services, from the traditional money order and official check services to the latest in electronic bill payment and money transfer services. How much does this cost?
Currently, it costs from $0.00 to $9.95, depending on the company you wish to pay. You will want to verify the correct transaction fee with that company or ask your MoneyGram ExpressPayment agent for more information
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here is the web site if you want to do more research:
http://www.moneygram.com/MGICorp/index.htm
I use it to pay people whom I do not want to give my account information to. And I have never had a problem.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Posted: Sun Nov 18, 2007 6:37 pm Subject:
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tina-MoneyGram is the same concept as Western Union Quick Collect.
Freakyfriday-I can see your point on WUQC (western union quick collect) or Moneygram not getting personal info, but it is certainly cheaper to send a USPS Traceable money order via certified mail than it is WUQC or Moneygram. Moneygram is $24.00 to send $400 and WUQC is $12.95.
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volleyballmom
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Posted: Sun Nov 18, 2007 7:24 pm Subject: r
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tina, do you have another thread going also? I do believe that finsfan and myself have been responding to that one?
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cannr
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Posted: Sun Nov 18, 2007 7:26 pm Subject: No
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that one is not mine, I only have this one going for my first letter from emails sent
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tinabarr
Joined: 15 Nov 2007
Posts: 68
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Posted: Sun Nov 18, 2007 7:26 pm Subject:
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I always send payments by money order. It is much cheaper and they are traceable, you just have to keep ahold of the receipt for the tracking number.
ladybug
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ladybug
Joined: 29 May 2007
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Posted: Sun Nov 18, 2007 7:28 pm Subject: r
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Thanks, tina! 
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cannr
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Posted: Sun Nov 18, 2007 7:30 pm Subject:
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no problem, I saw that post too and made sure that I did not accidentally post twice, and I did not.;
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tinabarr
Joined: 15 Nov 2007
Posts: 68
Debtcc Points: 2195
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