Whats up with this?
Date: Tue, 01/12/2010 - 15:33
Whats up with this statement
Advanta: "ARE YOU TELLING ME ON TAPE THAT YOU REFUSE TO PAY ADVANTA?? IS THAT WHAT YOU ARE SAYING?"
Me: "I am saying that I do not conduct conversations over the phone, and that I do not know who you are, or if what you are saying is valid. "
Everything he said was nonsense. like
Advanta "I KNOW WHAT YOU ARE DOING AND I DONT APPRECIATE IT! THAT MAY'VE WORKED WITH THE OVER SEAS COLLECTIONS AGENCIES FROM INDIA, BUT THAT IS NOT GOING TO WORK WITH ME!!!!!!!!!!!!!!!!!!"
Me: I do not conduct conversations over the phone, my company has encountered problems with fraudulent activity, and as a result we have changed our policies..
Advanta: "YOU DO BUSY OVER THE PHONE!! I HAVE PROOF! I HAVE YOUR BANK ACCOUNT"
Me: We do not conduct conversations over the phone.
Advanta" WE ARE GOING TO SUE YOU!! WE ARE GOING TO SUE YOU!! THIS DEBT IS PERSONALLY GUARANTEED, WE HAVE YOUR SS#
Me: (silence, the guy is a liar, it is not personally guaranteed. There is no such thing as implied personal guarantee. By nature I have to SIGN something that says that I personally guaranteed it, and I certainly did not. Kinda explains this guys stupidity) Finally I say.
Me: Whatever you are talking about it, you need send me something in writing
Advanta: FIRST YOU HAVE TO SAY, "I WANT 9%"
Me: I do not even know what that means. 9% of what? for how long? Send me the paperwork
Advanta:WHATEVER LADY!! WHY ARE YOU PUTTING OF THE INEVITABLE!!!YOU ARE PAYING US THE MONEY!!! YOU ARE PAYING US THE MONEY, OR WE ARE GOING TO SUE YOU, AND THERE WILL BE NO DEALS LADY! (except he used my real name)
Advanta: THERE ARE NO DEALS IN COURT LADY, WE ARE GOING TO SUE YOU. SIGN THE PAPER WORK!!! SIGN THE PAPER WORK, AND IF DO NOT HAVE IT IN 5 DAYS, WE ARE GOING TO SUE YOU!!!
me: What is your address? ( I wanted to verify that they had a legal department at that address, other wise his threats violate the law
Advanta: I AM NOT GOING TO GIVE YOU THAT, ITS THE ADDRESS ON THE STATEMENT.
me: Fine, I guess we are done!
Advanta:WE ARE GOIGN TO SUE YOU!!! click!
I am so pissed off, I really hope they sue me. Good luck with them coming up with any agreement or anything that says I personally guaranteed the account.
They can shove it.
But my original question, why are debt collectors always trying to get you to say "ARE YOU SAYING YOU ARE NOT GOING TO PAY ABCD?"
Why is that significant?
Was it Advanta or a collection agency? Which collection agency i
Was it Advanta or a collection agency? Which collection agency is this?
Advanta, is actually the original credit card company. I got thi
Advanta, is actually the original credit card company. I got this phone call, after they turned my account over to collections, Advanced Call Center Technologies, LLC, and the collection agency did NOT send me a response to the validation letter.
Yup, just about the same thing happened with us, but Sean Mitche
Yup, just about the same thing happened with us, but Sean Mitchell from Advanta, claimed we are hiding behind our computer. All we are doing is just trying to get everything in writing from Advanta, since all they do is try to is call you without following up with a letter regarding agreements via phone convo. Only thing we get in writing is a bill with unbelievable interest charges and fees along with the attached form "Your Monthly Update" telling us our business is currently in default and as the account's signing Individual you agreed to be personally liable for the debt. Or a letter from Kevin Walsh, demanding a signature from us on a "Commitment to Terms and Conditions of Advanta's Hardship Program", which basically states you are agreeing to be personally liable for the business debt AGAIN, which we refuse to sign, especially since they repeatedly remind us in their monthly statements on the form "YOUR MONTHLY UPDATE", that we are agreed to be personally liable for this debt. So I ask, why would I sign anything else???We have been making monthly payments in accordance with a telephone conversation with Josh Piersol, who entered the account in the "Hardship Program", but Sean Mitchell doesn't think that is acceptable since we are not signing any more agreements with Advanta and informed us in a telephone conversation that we are personally responsible for the business debt and will SUE US PERSONALLY AND IF THAT DOES NOT SATISFY THE DEBT, THEN THEY WILL GO AFTER THE BUSINESS. Funny thing about this whole Hardship Progam, is a letter from Kevin Walsh advising us about two programs Advanta has available, the "Budget Program" which requires a signed committment letter, or the "Hardship Program" with no mention of having to sign a commitment letter.......Even more interesting, we have not received one email from ADVANTA'S PORTFOLIO PEOPLE, since the telephone threat from Sean Mitchell stating we are hiding behind our computer and Advanta will take all of personal assets first and then go after the business assets to satisfy the debt.
Hmm, I think the bottom line here is, one hand doesn't know what the other hand is doing.........and our monthly payments will continue to be sent as agreed,and will still be accepted by somebody in Advanta, but it just won't cut it with Sean Mitchell. Now we have deal with Advanced Call Center Technologies, LLC. Just another hand that doesn't know what is going on with this account.