zwicker and assoc discover.

Call back and talk to a "qualified manager". When did you make the changes?? Who did you do it with?? FYI...with most computer collection systems, every time a collector enters an account, it automatically leaves a footprint or the collectors initials. You need to tell the manager that the higher payment was UNAUTHORIZED and a new payment plan was agreed to. I would also recommend talking to your bank and telling them that the last payment was unauthorized.

well i did call back and got a floor manager when i asked for a dept manager she was no help now they want the 122.50 or they are going to cancel the agreement and sue me for 600.0??? andrea is telling me because i called too late there was nothing they could do and i was telling her that that was not what was told to me. and had i been told that i would have made sure the 122.50 was ther (wich it was on saturday.) but the funds did not come out until this morning. it should not take that long for electronic payments to go through now they want to give me a hard time. about it.
so now i have to cough up 61.45 plus 122.50 that got charged to my acount. to keep from having to go to court. i am already dealing with Daniels pulling astunt like that and now it is a frigging night mare i dont know how much else i can take with these people.

When did you call to have the payment changed and when did they deposit the check?

They do not do electronic funds per se. They take you info and basically print out an authorized check in their office. They accounting department does all the payments, which may or may not be on site. Plus they usually require 3 business days notice to change any due dates...this is all pretty standard.

i called on friday. i dont know about the 3 business day bit. all the other payments were coming out on friday in a timeley manner. it's just now being i have 400.00 left on account now they want to f&)_k with me and do this so if there was a misunderstanding they need to go and pull the tapes for friday. bottom line is she never said that she could not cancel this paymnet. period. had she told me that i would have made sure the 122.50 was in there. so if there is a misunderstanding, it is not on me.

Doesnt sound like you gave them enough time to pull the item. As I said, deposits are prepared by accounting, not the collectors. The collector might have put the request in but it was too late. If you call same day as a check is to run, you would definately be out of luck....aint gonna happen.

well that is unforturnate. however nothing i can do at this point based on miscommuciations.