Having problems with a creditor
Date: Thu, 04/27/2006 - 13:03
We have one creditor that has replied to T&C that they will not accept less than the $286 payment; T&C had offered $125 a month. Now, last fall I had contacted the company to let them know to work out a payment arrangement, and a rep offered $150 a month. From Oct- Mar 2006 we paid them as agreed, yet they kept sending emails about the acct being under review because payments weren't being made. I would just forward the emails to the collections rep I spoke with in September, and she would take care of it.
As of February, she no longer works for the company. And they started becoming more hard line, demanding a higher payment. When I spoke to a rep I was told that they were "getting ready to charge off" the acct, and that they were going to contact my husband's command because we refused to contact them or pay them. On top of that, after paying $900 in 6 months, the balance on the acct went up by over $1000.
Today a T&C rep called me because Pioneer is refusing to accept anything less than $286, or they will contact hubby's command, because the acct is over 90 days past due. I explained AGAIN all of this, so the lady from T&C is calling Pioneer. And she asked me to fwd the emails to her since it refutes what they have been told.
I am just so peeved. And no, I can't get a job because my son is autistic, and what I could make would only cover daycayre for him. And I didn't try to default on the loan, we have faithfully abided by the payment arrangement as offered by Pioneer's employee.
do you have a letter from the other employee with the payment ar
do you have a letter from the other employee with the payment arrangements? Or any type of communication?
Jessi, I do. The arrangements were made via email, and I save
Jessi,
I do. The arrangements were made via email, and I saved those. I also sent myself the reply when I responded to them.
When I told the T&C rep, she was as confused as I am about what Pioneer has told them. I can't believe the company told T&C that we had defaulted due to no payments.
Well you've got records of the payments!!! How can they say you
Well you've got records of the payments!!! How can they say you haven't made any?
That's exactly what we were trying to figure out. They (Pioneer)
That's exactly what we were trying to figure out. They (Pioneer) even threatened to take legal action.
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Well, T&C called back. Pioneer is "graciously" willing to accept full payment, and it better be by the due date or else late fees will apply. I called Pioneer directly and the rep kept saying she was trying to work with me, but all she kept saying was pay us $286 right now, and set up an allotment for $286 a month for 6 months and we'll see what we can do.
I don't need this.
Hang in there Dana! Is Pioneer a credit card or something, I've
Hang in there Dana! Is Pioneer a credit card or something, I've never heard of them. Where did they come up with $286, is it a % of the balance? Explain your situation and see if they'll back down, sometimes you need to speak with someone else, that may help.
Thanks Sue. (I guess the forum is still having some problems, t
Thanks Sue.
(I guess the forum is still having some problems, the replies to me are being posted before my comment :) )
They are a personal loan company. $286 was the original contracted payment. I tried and tried explaining, but they won't budge. I even asked for them to accept 6 months of the lower payment, and our situation will have changed so that I could make the higher payment. Nope. So they would rather charge-off and send to a collection agency.
I called the T&C rep back, and she actually suggested I take out a payday loan to be able to make a one-time $286 payment to Pioneer. Sure, and just start the cycle over again.
Debt
This is to set4sail, you were so understanding and patient with me when I flipped out over having my wage garnished by a credit card company.
I can only offer you the same on this point, I understand your frustration with creditors. I believe a "charge off" is a tax deduction. Too bad we cannot "deduct" aggravation from ours.
Sandy, thank you, I can't tell you how much your kind words m
Sandy,
thank you, I can't tell you how much your kind words mean to me. :)
I never thought of it being used as a tax-break. I thought, scare tactic yes.