not sure what to think!

Date: Sat, 07/17/2010 - 18:35

Submitted by anonymous
on Sat, 07/17/2010 - 18:35

Posts: 202330 Credits: [Donate]

Total Replies: 9

i got several calls from UCB supposedly regarding an account with CITI (CITI wouldn't work at all with any sort of payment plan despite many attempts, since a portion of the account was at a low APR and therefore according to them they could do nothing until it was back at a "regular" interest rate....) i sent them a debt validation letter via certified mail, received the card that was received, and then heard nothing for a couple weeks and then 2 days ago i received in the mail a packet of copies of about the last 10 statements from CITi, but they did NOT come from UCB, they came from CITI. No letter or any other sort of response. don't know what to make of that! any thoughts or advice as to what if anything i should do next? or is the ball still in their court?

thanks for any input!

UCB is a third party collection agency for citibank....are you d

UCB is a third party collection agency for citibank....are you disputing the debt or the amount?

lrhall41

Submitted by SOAPLADY on Sat, 07/17/2010 - 21:11

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wanted to validate that they were authorized. would think that

wanted to validate that they were authorized. would think that they would have at least responded that UCB was authorized to represent them. do i have to deal with UCB? have not heard good things about them.... should i call them (UCB) or how is the best way to proceed?

lrhall41

Submitted by on Mon, 07/19/2010 - 18:24

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You sent the validation request to UCB....and citibank sent the

You sent the validation request to UCB....and citibank sent the docs. Maybe call them and let them tell you verbally?

UCB skims the good accounts that will pay and then will send the rest back to citibank. Either pay them or wait for another collection agency to take over. They are nasty, I agree. Record all their calls...they are notorious for breaking fair debt...my ex husband made some good money off of them .

lrhall41

Submitted by SOAPLADY on Mon, 07/19/2010 - 18:39

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when you say call "them" do you mean CITI? since i sent the va

when you say call "them" do you mean CITI? since i sent the validation letter they(UCB has not called me) before i sent it i did get a letter basically saying to call them regarding settlement options but also gave me a time frame to validate. do you think i should call UCB and see what their "options" are or just let it sit for now since they are so nasty? thanks for your thoughts

lrhall41

Submitted by tryinhard on Tue, 07/20/2010 - 19:06

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soaplady - any thoughts?

lrhall41

Submitted by tryinhard on Wed, 07/21/2010 - 14:31

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any input?

lrhall41

Submitted by tryinhard on Sat, 07/24/2010 - 05:26

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anyone have any thoughts?

lrhall41

Submitted by tryinhard on Fri, 07/30/2010 - 03:48

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I would call them and let them break the law and make some money

I would call them and let them break the law and make some money.....record the calls.

lrhall41

Submitted by SOAPLADY on Fri, 07/30/2010 - 06:34

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Citibank files lawsuits, usually quicker than most other credito

Citibank files lawsuits, usually quicker than most other creditors. Get what you can on UCB and make them pay. Maybe you can get enough to settle with Citi before they sue. Because Citi chooses to sue instead of sell most debts, they usually have admissible evidence. Even after Citibank sues, you can usually work out some good deals with them.

lrhall41

Submitted by Joe Smith on Sun, 08/01/2010 - 13:50

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