Creditor called at 6am!!!
Date: Sun, 01/14/2007 - 09:52
(I accidentally posted this in the wrong forum yesterday, so I am re-posting it in the right one)
I am not sure what can be done about this situation. We recently moved from NJ to Las Vegas, but we took our VOIP NJ Area Code phone number with us (so Mom could still call without long distance charges).
This morning I woke up to the sound of the phone ringing at just after 6am. It was HSBC calling about a payment that I mailed on Monday, but had not yet been received by them and was due yesterday. This is the second time that HSBC has called early in the morning. The first time I explained (nicely) that we had moved, we had VOIP, and that it was 5:30AM PST - where I was currently residing. I verified that they in fact had the correct (Las Vegas) address on file - and I was assured that a note would be made in the file and it would never happen again...
Until this morning. The person I spoke with told me "Well you have a NJ number..." and I told him that YES, the area code was from NJ, but the phone is running out of NEVADA - where it is only 6am! I told him about my previous conversation - and he actually had the audacity to tell me "Well then you need to get a phone with a Nevada area code..." I told him that according to the law, if I tell you that a time is INCONVENIENT for me, then you must abide by that. I told him that I am telling him that 6am PST is INCONVENIENT.
He contended that he was within his rights because it was 9am EST and again told me that if I didn't want to be called so early, then I had to get a Nevada phone number, because the calls are made based on area code.
I understand that he would have been within his rights if I was still living in NJ - but since the billing address is clearly NEVADA, which rules apply? Was I right in stating that he cannot call me if I convey to them that it is an inconvenient time?
I know that the laws have not caught up with technology yet, but something has to be able to be done.
He also conveyed to me that the correspondence that I sent in with my payment was most likely "being shredded, since it was sent to the payment address - and not the correspondence address." Can the payment department really just shred correspondence they receive - just because it was inadvertantly sent to the wrong department? Don't they have some type of obligation to forward that correspondence to the correct department?
I am not sure what can be done about this situation. We recently moved from NJ to Las Vegas, but we took our VOIP NJ Area Code phone number with us (so Mom could still call without long distance charges).
This morning I woke up to the sound of the phone ringing at just after 6am. It was HSBC calling about a payment that I mailed on Monday, but had not yet been received by them and was due yesterday. This is the second time that HSBC has called early in the morning. The first time I explained (nicely) that we had moved, we had VOIP, and that it was 5:30AM PST - where I was currently residing. I verified that they in fact had the correct (Las Vegas) address on file - and I was assured that a note would be made in the file and it would never happen again...
Until this morning. The person I spoke with told me "Well you have a NJ number..." and I told him that YES, the area code was from NJ, but the phone is running out of NEVADA - where it is only 6am! I told him about my previous conversation - and he actually had the audacity to tell me "Well then you need to get a phone with a Nevada area code..." I told him that according to the law, if I tell you that a time is INCONVENIENT for me, then you must abide by that. I told him that I am telling him that 6am PST is INCONVENIENT.
He contended that he was within his rights because it was 9am EST and again told me that if I didn't want to be called so early, then I had to get a Nevada phone number, because the calls are made based on area code.
I understand that he would have been within his rights if I was still living in NJ - but since the billing address is clearly NEVADA, which rules apply? Was I right in stating that he cannot call me if I convey to them that it is an inconvenient time?
I know that the laws have not caught up with technology yet, but something has to be able to be done.
He also conveyed to me that the correspondence that I sent in with my payment was most likely "being shredded, since it was sent to the payment address - and not the correspondence address." Can the payment department really just shred correspondence they receive - just because it was inadvertantly sent to the wrong department? Don't they have some type of obligation to forward that correspondence to the correct department?
HSBC is a creditor and does not fall under the fdcpa that govern
HSBC is a creditor and does not fall under the fdcpa that governs collection agencies.
Chances are you were on a dialer that predicts time zones by their area code. My suggestion would be to get a local number and send your mom some phone cards or get her an 800 number.
If you sent a payment to the wrong department chances are that it will not be cashed and destroyed. It's not definate though and you should follow up on it.
Hey bunny, just to let you know, your VIOP provider probably h
Hey bunny, just to let you know, your VIOP provider probably has records of all in comming and out going calls.... could be usefull to you.
