questions for collectors here in the group

Date: Thu, 01/05/2006 - 14:12

Submitted by imkimssister
on Thu, 01/05/2006 - 14:12

Posts: 1301 Credits: [Donate]

Total Replies: 19

I have wrote about this before but wanted to get a collectors intake on this situation. I have an account with a collection agency for a wells fargo account. It went into 'charge off' mode in Jan. of last year. They wrote me in the early part of last year about holding the account (although Wells Fargo said it was still 'in house'-which could be). In April, I wrote them. NOT ASKING FOR validation but trying to make payment arrangements with them. I knew the debt was valid and was correct. I heard nothing back from them.

I wrote letter after letter, I heard nothing. Then sent a good faith payment in the form of a money order (in april), still nothing. Sent a second payment the very next month (may), also in the form of a money order, still nothing. Then decided the next month (june), being the third month, I would send a check, that way I could watch it through my bank account. It was mailed in July and was never cashed. All the while I am still writing both the CA and the original creditor (in case it was in fact, still in house). Finally in september,(check still hadn't been cashed after being sent in June--whats up with that???),I wrote them a letter, telling them that I wanted my money orders returned and also for the check to be returned uncashed. OR ELSE provide me proof that money had been applied to the account, in other words, I wanted a statement from them showing they applied payments to balance. Because of the way things were going, I was getting a funny feeling about all of this. I gave them 30 days to respond to me or I was contacting the BBB and having them investigated. I told them I would be sending NO MORE MONEY until I heard something from them. I also sent this same letter to wells fargo, letting them know what was going on between me and this collection agency. It was very frustrating to me when all I have been trying to do is take care of this account. Well, on the last day of the 30 days, they cashed my check. Never mind the fact that I asked for it to be returned. I checked with Bank and got copy of check and it is in fact them that cashed. But okay--they cashed it, so thats a good thing, now I'm waiting to receive my statement from them showing that all three months worth of payments had been applied. I told them that I wanted this or else return my money. And that I would not be sending any more money until I heard from them.

Okay-this was September. I still have not 'heard' from them. I only heard from this collection agency ONE TIME and that was the very first letter. I also have not heard from wells fargo through all of this. I do have another account with wells fargo that I send money to every month and they cash and its almost paid off. But they're not saying anything about this one.

**since they cashed my check, until now, I did write collection agency another letter, certified return receipt asking for statement and about payments sent and payment arrangments. They signed letter, I have heard nothing. this was early november.**

And as I pointed out before, we had some bad luck come our way that pulled the rug out from under us, but I am still plugging at paying all of this off and trying to get it straightened out. no 'woe is me' here folks. Just trying to do the right thing.

any opinions on whats going on with this collection agency. I mean, I couldn't be a more perfect client. I got in contact with them, started sending money. wanted arrangements to get this settled. trying to do the right thing. But why am I having to beg them to take my money and why won't they talk to me? they're working this account but I've only heard from them one time.?? this is just strange to me, I'm used to collection agencies being more aggressive. opinions please!!! I am so confused and don't know what to do. until now, I have waited to hear something from someone on this account. but nada so far.

thanks!! shirley (travis tritt fan)

Hi Shirley, I am aware of this situation that you are going t

Hi Shirley,

I am aware of this situation that you are going through. I guess Roxette was also looking into this matter. I remember you were told to dispute with the credit bureau and if there is no positive outcome, add a 100 word statement in your file.

You sent some letters to the CRA and later, got a letter back from Experian saying the address to be wrong. I am updated till that part. What happened after that? Did you hear anything from the bureaus? You can opt for a 100 word statement in your file. I am amazed why this collection agency is hiding at the back.