How often can a credit card company call ?

Date: Tue, 02/17/2009 - 07:52

Submitted by anonymous
on Tue, 02/17/2009 - 07:52

Posts: 202330 Credits: [Donate]

Total Replies: 5

I am tring to work with merrick bank (hooters) and I have made arragements with them to pay $250. on the 6th of Feb .that went through , again on the 20th of feb. and again on the 20th of march they contine to call every day or 2 and give me the whole story about my payment being late .I tell them i already talked and set up payments and they still call looking for more money . what else can i do yesterday they called me twice,i told them i had talked to someone already and they called me a liar!The total i am behind is 587.00 ,they told me until it is totally current they can call as much as they want.They go from the house phone to the cell phone like I would know they just called and talked to them.

reply

if they are the original creditor.they can call more than once a day.i got the same thing with CHASE before i paid them off.

lrhall41

Submitted by paulmergel on Tue, 02/17/2009 - 08:05

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Hi RJB, Im sorry to say they can call as much as they want. Have

Hi RJB, Im sorry to say they can call as much as they want. Have you tried sending them a letter or fax stating that you would like them to stop calling? And i dont understand that they still call after you already setup a payment plan to give them there money. Im guessing they will keep harrasing till they get all there money back.

lrhall41

Submitted by m.snover92571 on Tue, 02/17/2009 - 08:11

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i agree, I have also heard that the origional creditor can call

i agree, I have also heard that the origional creditor can call as much as they wish until the debt is paid. I would pay this off asap but until then, maybe let the answering machine pick it up or check out the caller id first if those are available for you.

lrhall41

Submitted by love_my_things on Tue, 02/17/2009 - 10:22

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reply

if you enter a payment arrangement.once you make that first payment the calls should stop.at least that's what happened with my chase card,but it depends on the bank i guess.

lrhall41

Submitted by paulmergel on Tue, 02/17/2009 - 10:25

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Have you officially setup a payment "plan" with them? If you ar

Have you officially setup a payment "plan" with them? If you are just telling them when you are going to send money, pretty much they will keep calling until the account is current.

I had a bout like this with Discover several years ago. They would call me, I would make a small $50 payment over the phone, then they'd be calling the next day wanting more. I finally snapped and told a lady "I am trying to pay. The amount I paid yesterday was acceptable then, so why is it not acceptable now? If you're going to be calling me every day for money I don't have, you may as well charge it off and sue me." After that, she got a manager, who I explained my frustrations to. The manager set me up on an actual payment plan for $115/month and lowered the interest. After that, we were all good. Discover even re-aged my credit report and removed the delinquency as long as I was making those payment.

The moral of my story is that maybe you should ask for a manager and request to be setup on an actual payment plan.

lrhall41

Submitted by DebtCruncher on Tue, 02/17/2009 - 19:01

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