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Nowhere to turn....please adivise

Date: Sun, 08/06/2006 - 01:46

Submitted by anonymous
on Sun, 08/06/2006 - 01:46

Posts: 202330 Credits: [Donate]

Total Replies: 13


Let me start by saying that I realize this whole situation was created by my lack of resposibily. I realize this and wish to resolve this as soon as possible.

Rented a saxaphone for my daughter for intial 4 months. She quit after that, we moved within same town, sax got buried in the move and forgotten about. Received a call last week from Allen, Lewis & Associates. They asked if I knew I had been charged with theft by coersion and possesion of stolen property. My jaw hit the floor until they mentioned saxaphone. Then I knew what this concerned. They said music store did not want it back and I owed roughly $2000. Said they would take payments. Best I could do right now was $100 this week. They said they needed something by the 31st and the initial payment would have to be about $400 or it would proceed futher. I couldn't afford that amount but was so freaked out about charges, I set up an automatic bank draft through them for the $400. I called the music store on Friday to inquire. They said that it was with Allen, Lewis & Associates now, but they would be glad to take the sax back and I would only be resposible for the late rent. Attemped to get ahold of Allen, Lewis & Associates to cancel intial payment and set up a payment plan for the past due rent. Could not get ahold of them in time. Payment went through and we are left with nothing for the next 2 weeks. Called Allen, Lewis & Associates this week. Told them music store would take sax back. They said that music store called and noted that on the file. I verified, the music store has had no contact with them concerning me.

My problem is that if I had known I only had to pay back rent, which is around $500, I would have broken that down into several payments. But because of fear of charges they talked about, I gave them about all we had. If I have been charged, shouldn't I get a copy of papers showing I have been charged? I think they knew all along that sax was returnable.

Am I wrong in my thinking? Anything I can do? I called
Allen, Lewis & Associates and they said the person read the file wrong and the sax had always been returnable.

Will accept and guidence.........good or bad.

Thanks.


Well, I would return the sax and if you only owed $500 in back rent, then that just leaves you with $100 left to pay, right? And I'd pay that directly to the music store.

AL&A sound like real jerks. That person knew good and well what he was doing. He makes a commission off collecting your money and that's why he wanted the full amount.

(No offense to the GOOD collectors reading this...I'm speaking about the A-holes that lie and cheat. :) )


lrhall41

Submitted by Jessi on Sun, 08/06/2006 - 05:44

( Posts: 3361 | Credits: )


The agency will get the money if you pay the store or the agency.

I would return the sax. And the agency might not have known its returnable. Many items that after a certain time period aren't returnable and it's not like all of accounts that comes to collection agencies come with personal instructions attached to the file. As far as they were concearned you stopped paying on a property and took off with it in tow.

Communication from agency to their clients rarely take place n the phone. It's usualy computer generated when someone inputs somehting into your file and a day or so later it shows up in your file at the agency, verbal contact is rare in most cases.


lrhall41

Submitted by FYI on Sun, 08/06/2006 - 08:20

( Posts: 1950 | Credits: )


Jessi...unfortunately a 'good' collector lies, cheats and belittles debtors or else he's no good. Beansouper, make sure you get something in writing from the music store and use it to dispute the entries on your cbr. Otherwise there's a chance this could keep bouncing around.


lrhall41

Submitted by on Fri, 09/01/2006 - 21:55

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a good collector lies cheats and belittles? lmao....
gee, i wish i had your sunny disposition towards collections, lets see, last month i received over 10G in payments and i dont have to lie cheat or belittle anyone, i'm a negotiator.


return the sax, get a receipt for whatever payments you would be making from this point forward, and tell the CA you're getting calls from to shove off professionally, in other words hunt them down in the yellow pages if you have to, send them a copy of that receipt and send one to the cbr's as well.

as for your 500.00 that you paid out, by law all payments made would be returned within a 30 day period if made by post date, after that, you make a formal complaint, to the head of the company, if you have an attorney for a friend get them to draw up a draft letter to the company letting them know that the mistake was made on their side, in was incompetency on their part, not yours. well, any good attorney would know what to put in the letter


lrhall41

Submitted by on Tue, 09/05/2006 - 17:02

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10g in payments? HA! I got you done by 30! Wish my bonus check would have been 30g. Lousey taxes too most of it all *cry* JK! But I did collect over 30g.

I agree though I am a negotiator a good collector doe not have to lie cheat or steal but uses the facts of the situation to help debtors see the importance of working things out.


lrhall41

Submitted by FYI on Tue, 09/05/2006 - 22:41

( Posts: 1950 | Credits: )


i'm still young... :P any way, about beansouper's situation, as much as they put the account in collections, they also did give you the option to return the sax.
did you ask them if the outstanding rental fees would be paid to them or to the CA?
and as for them saying client called them about the account, i can't swear for anyone, but i don't hear of clients calling the CA in regards to accounts, but i can't swear for it. but then, if they can call to say "oh, this person contacted us about a pass due payment on soemthing they took from us, can you adjust their account?" i guess they can call and say " well this person called us and told us to tell you that they will be paying us instead of you, the payments will be sent to you at the CA." but it doesnt work like that, not in my world, and we are a pretty notorious CA, if i do say so myself,

there is a process, so i'm guessing the first guy you spoke to, he was aiming to collect full balance, so, protocol was shot thru the door.
so, you callback, someone else gets the call, looks thru the account -possibly finds an update from the cient documented saying the item could be returned and the account can be settled for the late fees owed-
now i'm guessing, you sounded pretty concerned when you called back the second time, so person isn't as confident as the first guy who would have had the edge on you- you know springing the awareness of the debt on you, kinda bullying you into making a payment- so the second guy says - yeah, you can return the sax, and just pay the overdues, sorry about the fracas-

i could have missed some points, i may have added in some that weren't absolutely there, but all in all, i don't think this was your fault. not entirely, but i think your debt is square.... after all you did pay AL&A $500.00 didn't you? and the outstanding amount you would have had to pay is about $500.00 right? sounds sqaured up to me.


lrhall41

Submitted by on Wed, 09/06/2006 - 07:17

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FYI mentioned...."10g in payments? HA! I got you done by 30"

You must have some pretty long arms the way you pat yourself on the back. Marlee J seems to be a very good collector, she has been very helpful and I don't think its right that you HAHA I'm better than you her. You are a legend in your own mind.


lrhall41

Submitted by on Wed, 09/06/2006 - 08:49

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