Oxford management services wants me to pay

Everything in this is only verbal or did you get some documentation about this account? Oxford is doing debt collections, so they should follow the debt validation rules mentioned in the FDCPA.

They sent me a letter with the amount owed and the amount I can settle for.

I sent them a certified letter to get debt valadation they say I owe 3550.00 on a 500.00 payday loan. I have reported this to my AG office in AR this firm is in Texas they called and wanted to fax a form and I told them I want to use the US mail I have heard nothing for about 2 weeks?? Do I need to do anything else...the initial phone calls were filled with threats of arrest and prision time..hang ups..when I asked if they were lic. to do collections in AR. they said they were a law firm and they didn't need to be?? Help

A law firm has to be licensed in the place where they are doing the collections, just like the collection agency. They can't skip that by giving wrong information. You have sent your debt validation letter to the company, so your waiting period starts. If they don't respond to your request within a reasonable time period, send a follow up letter again. If you still don't hear and see them hurting your credit with negative information, dispute the item with the CRA. They will conduct their own investigation and get the correct information. Keep a track of the phone calls with dates and time. If you are thinking about recording their phone calls, http://www.debtconsolidationcare.com/record/ do it because you have the rights to record the calls without notifying the other person. This will add to your side in case you wish to pursue legal actions.

If they asked you to make the check payable to cingular wireless, then cingular still owns the debt.

Before you start your tape up to record calls you need to find out if you need to inform any party that you are recording their conversation with you.

In AR, a person can record the phone calls without informing the other party. I believe lsrocky2 stays in AR as the state was mentioned in the post.

I also got a phone call and a letter stating if I paid $255.00 + a $12.95 fee that that would settle my Cingluar account and they would accept as full payment and nothing else would be owed-I even got verification of this from the supervisor-Steve.
NOT TRUE- 2 days after my check cleared the bank, they started harrassing me again stating that Cingular did not accept the agreement and I needed to pay the rest of the $179.00 or they would do an auto debit since I had given them my account number the first time for the $255.00 payment-Thieves and Liars don not believe them-I even got a confirmation # for full payment they now say that is no longer valid.

They can present an ACH to your account, however if you did not agree to it that would be an unauthorized withdraw. If they do it then you need to dispute the charge with your bank and file a police report, maybe even file a civil complaint. If you were to give me a check and I did that it would still be theft.

How goes the situation. I have an old Credit Card bill that was turned over to Oxford Management Services. Received a statement in January stating that the bill was $598.35 and they would settle for $445.01 (Don't understand the .01) anyway I ignored it and then received another statement in March. My bill is now $601.22 and they would settle for $300.61
I also ignored that one since i new i would not have enough money to pay the full amount and they seemed to only want it by CC which I don't have or ACH which I won't allow. I get a phone call today from some lady that states i need to call back or she will "make a decision on my behalf"
the original creditor is HSBC. The account was then pruchased by FFPM CARMEL HOLDINGS l LLC and now Oxford is "contacting" me on their behalf. I did have a credit card from them so that is true, i guess i am wondering what to do at this point. I could pay the $300.00, but not under their terms. If i open my acct. for an ACH by them, I have just let the cat out of the bag for everyone else.

sorry that was me just now on the last post forgot to log in.

I love the statement of "making the decision for you" That is their way of threatening a lawsuit without actually saying it. Unfortunately for them the fdcpa is written with the least sophisticated consumer in mind and to that consumer this would appear as a threat of a impending lawsuit. You already have them on one FDCPA violation.

Also, if you want to get the agreement in writing from them and get them to accept paper payment which would not give them access to your account that would be great. Kinda strange how the account balance increases by only a small margin but the settlement offer increases quite nicely. Seems like they are desperate to either A. Get the account closed/paid or B. Gain access to your account.

I noticed the difference in the amounts too. They say to go to the website which i haven't done yet, but i know that the only way they are going to allow payment is thru ACH, CC or moneygram. I have the call on my answering machine which i don't plan on erasing. I am going to check the website and see if they have a fax# and if so will write a letter to them tonight and fax it to them and see what happens. I don't feel that talking to them on the phone will be very productive and am afraid of what i may say that can come back to haunt me later.

went to the website and there is a section where you can make a "resolution" to the debt. You can email them with the offer, but i didn't do it since i have no way of printing what i submit and i want a record of what i submit to them so i don't get set up. Did find a Fax# so will go that route instead. I am going to go ahead and settle for the $300.00 as I can't remember what the actual balance of the CC was when i quit paying.

Jcemt - quick question before i write them a letter.

Do I call them on the FDCA mistake or make the offer and see what comes back? Or both?

Only thing I'd be sending them is a DV letter, CMRRR. What I wouldn't be doing is working a settlement on an amount I wasn't certain of.

My $.02, YMMV.

Unc, your $.02 is always worth a lot more than than that!!!!!!

I wouldn't hesitate on calling them out on their mistakes. Anyway, here is their contact information, including their FAX number:

Corporate Office
135 Maxess Road
Melville, NY 11747
(800) 982-6096
(631) 454-4508 (fax)

am confused now..i know the debt is mine, it is just the amount of which has gone up due to interest and probably a few fees. Am i responsible for the interest and fees? (i thought i was since the debt is legit) if not then i will write a letter. if i write the DV letter what if they get psssd and take the settlement offer (if there still is one) off the table?

underwulf I am kinda new to the terminology. What exactly is YMMV?

YMMV:
Your Mileage May Vary

[quote=whiterock73]am confused now..i know the debt is mine, it is just the amount of which has gone up due to interest and probably a few fees. Am i responsible for the interest and fees? (i thought i was since the debt is legit) if not then i will write a letter.[/quote]

DV is good for lots more than just making sure the debt is yours. Under federal law, you are entitled to have them show you, in detail, how they calculated what they say you owe. You can also have them explain any amounts you don't understand. They should also be required to produce the original contract, to prove that they are allowed to collect those fees and interest. Otherwise, all they're entitled to is the state minimum, usually 6%.

[quote=whiterock73]if i write the DV letter what if they get psssd and take the settlement offer (if there still is one) off the table?[/quote]

So what if they do? If they can't validate, they can't do much else either.

I would definately ask for them to produce the original contract. 6% would probaly put it back to the original amount since these people add on such humungous fees. I love how a credit card that is $300 turns into a debt over 2000 so quickly.

dealing with these clowns now

Funny the Fax number they have listed magically doesn't receive faxes. If you call you get the fax sounds but won't take a FAX

Okay sent these guys a DV with return receipt and DC

about a week before they refused to take a payment from fiances acct as the last one )through there own fault) was declined. Tried to get my acct info which I refused. tried to make a payment by sending check "thats not good enough" Cashiers check "NO"
wouldn't accept any of the proposed options.

Sent them a DV just to get calls to work stopped. So this week fiance' get a notice from them that they will be taking funds from here savings on the 20th. Hold one here they refused to do that week before. This was not an authorized transaction in anyway. and since there was no money there it didn't clear. So fiance' is off to bank with a copy of DV and the delivery confirmation notice and a recording of the conversation to prove it wasn't even verbally authorized. trying to get all the fees removed and such

Any thoughts? Suggestions? help?


also she does owe the money that isn't disputed but their methods and threats are uncalled for.

I spoke to a Mr. Simons, what an ass. He was rude and insisted that I take care of the debt over the phone, fat chance. I got rude back, 5 minutes later I got the address and the claim number I needed. I asked for that when he first got on the phone it really shouldn't be that hard. I'm still curious about one thing; how many people that work for collections agencies get collection calls themselves?

I am from Trinidad and Oxford management services, frighten me into paying
35.05 us for 6mts now they want more for what I have know ,they say I did not pay for a course that I never receive Please help