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800-220-2018 - does unlawful collection practice?

Date: Mon, 11/06/2006 - 10:57

Submitted by PDLFREE
on Mon, 11/06/2006 - 10:57

Posts: 1245 Credits: [Donate]

Total Replies: 18


will someone call this number and find out who it is? Thanks

800-220-2018


Okay got it thank you, that is a so called collection agency that bought my auto debt from another company. I sent them a letter last Friday stating I wanted to work with Honda Financing directly. I also sent Honda a letter asking for copies of the original paperwork as I think they inflated my income to put me in an Element about 3 years ago (see my other post) I don't answer 800 or blocked calls anymore because they are all collection agencies. I also don't call them because they all have caller ID. So anyhow thank you so much for calling that number, I greatly appreciate it.


lrhall41

Submitted by PDLFREE on Mon, 11/06/2006 - 11:06

( Posts: 1245 | Credits: )


No I try not to spend money when I am dealing with collection agencies. They got my number because I made the mistake of calling them last week and they probably have caller ID. Anyhow I don't sweat it as they are lower on the totem pole when it comes to scum collection agencies then the one befor which was AMO Recoveries. My goal now is to figure out how to deal with Honda directly as there was some funny business going on, long sotry and I won't post the sorrid details here but my income was definatly inflated to get that loan now that I can look back. Thanks again for your help


lrhall41

Submitted by PDLFREE on Mon, 11/06/2006 - 11:24

( Posts: 1245 | Credits: )


Ashley2006, why would you not want to communicate in wrtiting? I don't understand your statement that you try not to spend money when dealing with collection agencies. What if you are ever taken to court, then you have no proof that you have tried to commuicate with them or anything. If you never answer your phone, never return calls, and don't deal with them by mail, how are you communicating with them? Your going to be up the creek if you c


lrhall41

Submitted by on Mon, 11/06/2006 - 11:41

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You didn't read my posts, I stated I sent them letters I just didn't spend money to register/return receipt the letters, I don't part with my money very easily these days and especially to crooked collection agencies and these two I have received mail from AMO Recoveries and FBCS are as crooked as the Mississippi...


lrhall41

Submitted by PDLFREE on Mon, 11/06/2006 - 11:47

( Posts: 1245 | Credits: )


Ashley in this situation spending the $4.64 will save you thousands later.

I faxed some of the collection agencies cease and desist letters stating that the confirmation sheet (i did not use a cover sheet...instead used the actual letter) was validation they received the fax. It worked.

If this ever happens again, what you should do is draft a letter to the original creditor...explaining why you refuse to use the CA in regards to your account and that you would prefer dealing with them instead. If you believe the CA has violated the federal regulations state what you believe the CA violated in your letter. You then send the cease and desist letter you sent to the CA with a copy of your letter to the original creditor.


lrhall41

Submitted by sday1111 on Tue, 11/07/2006 - 17:27

( Posts: 16 | Credits: )


Why is that BOX in the middle of the Screen
so No One can Read the site?????????????????
How to get the BOX OFF??????????????????????


lrhall41

Submitted by on Mon, 09/24/2007 - 13:47

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its a collection agancie for companies such as sprint!


lrhall41

Submitted by on Thu, 11/29/2007 - 08:34

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[color=DarkRed]Lines making personal attack removed - Mike[/color]

the individual collector can be held responsible for violating Fair Debt Collections Practicing Act, i've work in collection for X years and i've done things i'm not too proud of, now my goal is to educate people to the laws protecting them from unlawful collection tactics, i can only be online every and again but i would like to help in anyway possible
_________________


lrhall41

Submitted by on Thu, 02/07/2008 - 09:56

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they called me last night about 900 pm, saying they were from my electric company and i had to pay a post dated check or my electric would be shut off... like a dummy, i fell for it, gave them my bank routing number & checking account number.. but something did not feel right so i called the electric company this morning - IT WAS NOT THE ELECTRIC COMPANY - i had to close my checking account at my bank these people are FRAUDS


lrhall41

Submitted by on Thu, 05/07/2009 - 14:49

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I used to work for a CA once before, and the people I worked for said anything and everything to get a payment from the debtor, and my philosophy was that "you catch more flies with honey than vinegar", and I always tried to work with the people I was calling for, it was especially sad tho, because it was for medical bills....but I was one of the top collectors, just because I worked with people instead of harrassing them....they dont understand that you may have fallen into bad times, especially this economy, and people can't forsee the future, and didn't expect to fall behind on anything....I hate CA and i would never work for one again...and if you either write or fax a cease & desist letter BY LAW they can not contact you in any other form than in writing...which you could always just trash it lol


lrhall41

Submitted by on Fri, 01/15/2010 - 08:18

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Quote:

Originally Posted by Anonymous
I used to work for a CA once before, and the people I worked for said anything and everything to get a payment from the debtor, and my philosophy was that "you catch more flies with honey than vinegar", and I always tried to work with the people I was calling for, it was especially sad tho, because it was for medical bills....but I was one of the top collectors, just because I worked with people instead of harrassing them....they dont understand that you may have fallen into bad times, especially this economy, and people can't forsee the future, and didn't expect to fall behind on anything....I hate CA and i would never work for one again...and if you either write or fax a cease & desist letter BY LAW they can not contact you in any other form than in writing...which you could always just trash it lol


I'm sorry but this is 100% false. The law does not make any requirement for them to "not contact you in any form other than in writing". There is no legal standard for a "partial cease and desist" letter. A lot of people like to think that telling a debt collector that they can only communicate in writing actually means something, but the law makes no such requirement. Go read the FDCPA--it is the law that pertains to this issue. It only states this:

[FONT=Arial][QUOTE]
c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --
[LEFT]

(1) to advise the consumer that the debt collector's further efforts are being terminated;


(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or


(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.


If such notice from the consumer is made by mail, notification shall be complete upon receipt. [/LEFT]

[/QUOTE]

[/FONT]


lrhall41

Submitted by skydivr7673 on Sat, 01/16/2010 - 07:00

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Calling my cell phone morning, noon and night, all from different toll free numbers. I dont answer toll free calls, could not care less who it is. NO current debt, so whatever they want, it is old, past statute and probably nonsense. I read here that Sprint might be using them. I have has a situation where someone opened a Sprint account in my name.. 14 years ago. I have straightened this out about 5 times now. They can go take a hike. Its not mine, never was and the last thing I am going to do is try to find all this paperwork that proves this. Not 14 years later, besides get the feeling this bottom feeder would nt care anyway.Remember , they get paid on comission, their only motivation is to ge you to pay, does not matter if you owe or not


lrhall41

Submitted by on Sat, 08/14/2010 - 05:55

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