I made a BIG mistake talking to CA HELP!

From what you said it sounds like you are stuck with that agreement you made over the phone, and yes the validation letter should of been sent first. Anyway, that is water under the bridge. Instead of the validation letter at this time (you may be able to send it later), I would send a letter stating what had happen when you made the conversation that you forgot the debit card was cancelled and would like to make a new arrangment by mailing money orders and most places if they want there money will do that. In the meantime, I would not talk to them over the phone untill they get this "new payment plan" letter from you. Send this letter certifed mail with a return reciept request as soon as possible and keep us posted here so that we can help you futher.

Luke I think that advice that you just gave dodgerproud is good advice. Wouldn't they have to send them something in the mail verifying this information as correct or am I mistaken?

ladybug

Good question Ladybug,


dodgerproud:

Did you get a leter from them in the mail statening what and why you owe what they say you owe? Let us know asap.

no never got any letter stating that. just what i owe as of now.

I would think that if they haven't received anything in the mail stating that this debt is legally owed that they couldn't be held accountable for it. Don't you think?

ladybug

Then this is what I would do. Do not talk or call them on the phone and send out "validation" letter with a new payment request stateing that you did not realize that the debit card was closed. Make sure that you are clear that you need it validated before any payment plan is in effect from you and if they can not validate it, then I believe that you should not pay it. Do this asap cc/rr.

I already sent out a validation letter stating the normal and this is not a refusal to pay. But i never added anything about the arrangment we had made.

Should i call them and tell them i sent them a letter?

oh i sent the letter this morning certified mail.

No do not call them, relax, and let the validation letter stand. I hope you have a copy of it. If they call you, try to let them leave a message without talking to them in hopes that they will mail you a response to the validation letter. So, let them make the next move, but in the mean time, come up with a letter about the new payment plan.

Instead of being underhanded about it why don't you call them and tell them that the card is inactive. The person you are working with now, and could be still after the debt gets validated, might like a little honesty.

It is not being underhanded to protect ones self. Im sure and hope that our guest makes the right decision for themselves.

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Ah, I forgot we are dealing with a monkey see monkey do situation. Not all collection agencies or collectors are underhanded. Each situation should be treated accordingly. If you act dishonest do you expect honesty in return and are you suprised when you don't get it?

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wow FYI-is someone (YOU) accusing someone else of acting dishonest here? (unbelievable as a moderator on this site in my opinion!) --debt validation is a normal procedure from what I have learned here --how about when you have lived your life honestly and you still got treated wrongly by Ca's? TRY that example of comparison once in a while instead of assuming that everyone you call is the "underhanded "person who owes your company money!and you in your chosen profession can't understand why people don't trust anything you say? and you in your friendly moderator posts that you get paid for very little of course--give's you the right and authority to turn around and actually ACCUSE someone of actually being underhanded here ? Dang! I know business is bad in America!--but why? your unfounded false accusations about underhandedness insinuating liars that all CA's project?-- when I have actually known you to previously offer good info for people on this sight? Are your commissions down big time or what? Please !as a moderator on this sight I would ask that you don't infer in the future that people are being underhanded because they asked for validation !!!What were you thinking?!!! please respond because I can't believe you actually have an excuse for this one! Your comment--Monkey see monkey do?--I think more like "Gorilla thinks has power to attack but is ultimately not the smartest species in ape kingdom-- then tries to use muscle--and when it's not working --gets pissed because no one throws him a banana!" JMO! But when you yourself attack others on this sight-- I myself will keep responding regardless of whether you have buddies here or not!p.s. why did you actually accuse someone of acting dishonest here? Doesn't make sense on a help you get out of debt sight but hey we are in fact an open forum!! Thank God for that!!!!

FYI, you are a incredible oasis of information and advise, and I must say a very good person and I am pleased to be blessed by reading your posts. I meant no harm or disrespect when I made the commment "Its not being underhanded to protect one self". It is just that I have been and still am dealing with collection agencies for about 25 years and I know that I did and do not deserve any of the abuse that they tried to dish out but at the same time there have been very nice and professional collection csr's where treated me like a person. Thank you.

A person has the right to change their minds at anytime. Always. But I feel that it is important to communicate as well. When the lines of communication fail on either side then the walls start to crumble and someone if not both sides lose their credibility and that makes something that could have been solves simply more difficult.

I think the dishonesty comments stem from the fact that op gave a collector a inactive debit card number which would make them lose face should it be used and could also cause op fees if that card is honored by op's bank.I think op has the right to change their mind at any time and can request validation as well.

I would also add if a member has a valid complaint against another member or moderator to resolve it in private amongst yourselves or thru admin.It does our site little good to see these comments on our board.

Do not ever give them a debit card or access to your checking account. They will clean it out and then what are you going to do, go before a judge and say "well gee I owe them $2,400 but agreed to only let them have $1,600...they took too much". If you have the money, the judge won't give it back.

NEVER EVER EVER EVER EVER give postdated checks or electronic access to your bank accounts.

New

how about if they say the offer is only good for that day and you need to give them a check by phone or the offer is void? Happens everyday. That's how they get these CA into paying them that day, they scare them with a lawsuit. The consumer has no way of knowing iif he/she will get sue'd so they usually cave in and give the info the CA is requesting over the phone!

boler room tactics...people fall for that everyday and it really is a shame that they do...

thanks for your response Fyi--it eases my initial dismay after you insinuated someone was being underhanded and dishonest here on a sight that in my opinion people are simply needing help and support as well as advice--not judgement :P