well, as you all know, I went into a debt consolidation program. I put my (Dell) Oxford accounts on it and my wells fargo account. As you all may remember. This wells fargo account has been a pain in the butt too. I have wrote them for the past year trying to get them to talk to me. I have paperwork two inches deep from me writing them letters all certified return receipt. I had another account with wells fargo that i paid off in january. so I started pushing hard towards getting something worked out on this one. I finally heard back from wells fargo. They wrote me like a three page letter and seemed very nice about it. They gave me the information of who to contact in their collection department to arrange payments. Right away, I sent out a letter, and a proposal, certified return receipt to get something going. I never heard anything back.
Over the weekend, I get a call from national action. didn't know what they wanted. The guy was rude. So I faxed them a letter telling them to NOT call me at home. written correspondence ONLY. And I mailed two letters out to their office in new york and their office in Georgia (copies of the fax) telling them no phone calls.
Today I get a letter in the mail from National Action. They have my wells fargo account. I had to call my debt consolidation people and talk to them about what to do next. They had the info on who to contact at wells fargo. I wasn't sure if we were to still contact wells fargo or national. They are going on with National, so I had to give them the info so they can contact them. this scares me. I stayed up late last night reading up on national. NOT GOOD, not good at all. The letter they sent me today was a demand for payment IN FULL and anything less is unacceptable. **and just like they said on the internet, if you get a letter from them, it will be written in ALL CAPS. and it was.
wonder why wells fargo did this? did they maybe find my proposal unacceptable? and rather than write me back with what would have been, they sent it to these ruthless 'so and so's'. I read horror stories about these people last night. They are one of the worst collection agencies to deal with. Bud Hibbs says on his site, NOT TO DEAL with them because thats how bad they are.
I guess I need to hold on tight---its going to get bumpy. freedom point is offering them $50 a month. If these guys are as bad as what I read they are, this will just make them mad.
anyone deal with national action---they are part of sitel or citel (think I spelled that right)
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