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I received another response - please review

Date: Wed, 11/22/2006 - 07:57

Submitted by rmalcolm
on Wed, 11/22/2006 - 07:57

Posts: 46 Credits: [Donate]

Total Replies: 10


I received another response. Again, I would like to send them a payment on January 20th to finalize the account. Please review the following email and assist me with a response - please and thank you.


Oops - here it is. Thanks again.

Quote:

Dear: We recently attempted to deduct $160.00 from your account on 11/20/2006 which was returned from your financial institution for Account closed. While we hope this is just an oversight on your part, we must stress the importance of getting in touch with us at 800-689-6140 as soon as possible to figure out a way to bring your account current as soon as possible. We are more than willing to work out a solution that fits within your budget, but you must contact us in order to do so. We are open for your convenience from 8am to 4pm Central time Monday through Friday to help you. Most importantly, we want to keep you in good standing with our company so you can enjoy our services again in the future. Please contact us as soon as you get this e-mail at 800-689-6140
Sincerely, OneStepCash.com Account


lrhall41

Submitted by rmalcolm on Wed, 11/22/2006 - 08:51

( Posts: 46 | Credits: )


I would reply with your letter about making payments in January. They say they are more then willing to work with you within your budget, so why not see if they really mean that? I would also call them and read them your letter. Just bombard them until they accept your payment arrangements. It's not like you are trying to get out of paying anything, you are just following the laws of your state. If they give you trouble, file a complaint with the BBB, and call your AG's office. Tell them those will be your next steps.


lrhall41

Submitted by goudah2424 on Wed, 11/22/2006 - 09:04

( Posts: 7935 | Credits: )


Ok. I sent the followng short and sweet reply for now. Upon their response, if negative, I will send my initial letter and prepare for serious battle. Thanks again for your help.

Quote:

Thank you for contacting me. Do to uncontrollable circumstances, I have closed my bank account.

Is the $160 the total due? And if not, would you kindly reply with a total payment amount due. I will forward two payments to One Step Cash on January 5th and January 20th, 2007 upon review and acceptance of the total amount due to One Step Cash. Again, I am unsure of the total amount due, therefore, I can not total these payments until I receive your response in regards to my request for a final payment amount. Please acknowledge receipt of this reply.

Thank you for your willingness to work with me.

Sincerely,


lrhall41

Submitted by rmalcolm on Wed, 11/22/2006 - 09:38

( Posts: 46 | Credits: )


Sounds right to me . . . I'd change the letter to say that

Quote:

According to such and such state law I owe you $255. I will pay you in two equal installments of $127.50 in January. You say that you are more than willing to work out arrangements that fit within my budget, and this is what my budget will allow. Since you are breaking usuary laws in such and such state I request that after my Jan 20th payment is recieved my account is marked Paid In Full and no derogetory comments are sent to any credit reporting agency, including teletrack. Unless I recieve agreement to my payment terms in writing you will not receive payment from me and my contract and all correspondance will be turned over to my attorney general's office for further investigation. I am making a legitimate attempt to settle this debt with such and such company, I'm not trying to back out of any agreement, I'm just following the laws of such and such state, of which your business transacted business in, and thereby must follow the laws of.


I'd send something like that, but that's just me . . . .


lrhall41

Submitted by goudah2424 on Wed, 11/22/2006 - 10:06

( Posts: 7935 | Credits: )