I have an interesting problem, and I've scoured endless forums for an answer...I hope I find it here.
I had an approx $10K debt with MBNA, which was taken over by Creditors Interchange. Like most people, I was unaware of the deceitful practices of creditors, and I fell prey to their fear tactics [the threat of transfer to their "legal department", threats of having to pay the total balance by day's end, etc].
I discovered a $2000 discrepency in my account balance, and called the representative I'd been dealing with.