Hey everyone!To all here that know me, you know that for well over the past year and half, I have been going around and around with wells fargo and also different collection agencys representing wells fargo. I continue to keep getting jerked around. The last update that I posted here, I was telling you how my debt consolidation group sent wells fargo a payment and proposal--they turned our proposal down stating that there was no such account or account number. BUT THEY KEPT THE PAYMENT!!!!!!!!!!!! (which made me extremely upset--because if theres NO SUCH account or account number, then what did they apply my payment to???)
okay, in the meantime, I get a letter from a collection agency by the name of Nelson, Watson & associates, LLC. dated July 11, 2006. They give me the usual 30 day to dispute, which believe me--I DID!! (I wanted to know where two payments were that wells fargo was suppose to be investigating--that were never applied to my account--and i have proof of payments-and also why did this collection agency tack on $500 more on the balance from what wells fargo said the balance was????!!!)
okay--so I dispute on July 25, 2006, I get a letter back from them dated August 1, 2006 stating that they were 'ceasing communication efforts until verification of 'said' debt was obtained;. okay cool. They got my dispute and were 'working' on it.
WELL TODAY----I get a letter from yet ANOTHER collection agency. "Nathan & Nathan, P.C."
(anyone heard of these people????? are they lawyers or a collection agency???? please send me any info on them that you may know)
They said they are representing North Star capital acquisitions LLC, assignee of wells fargo financial. what is this, a collection agency representing a collection agency representing original creditor???
They state that they are a law office, and if no payment arrangements can be made, then further collection efforts will be continued.
Then they go on to give me 30 days to dispute.
what happened to nelso, watson & associates?? guess they couldn't obtain the verification? weird, I know they can get it because wells fargo has sent it directly to me before.
okay, now what?? do I sit down, and write a long letter about EVERYTHING I have went through, all the way from day one, with trying to work with wells fargo? from the two payments that have never been posted to the two inch stack of paperwork that I have sent to wells fargo/collection agnecies on this account?
I have tried to make payment arrangements and also everytime I send money to collection agnecy, it either doesn't get posted, or they send me back to wells fargo. when I write wells fargo/send them a payment, they send me straight out to another collection agency. so its like a dog chasing his tail with these people. They won't answer my letters. I have sat and wrote letters explaining all of this to wells fargo. I got one response back, telling me to contact their in house collection department to work out a payment plan....I did...he ignored me and sent me right back out to collection agency.
I am pulling my hair out now!!
thanks for any input. I feel like the best thing to do would be to write these people and tell them 'the story' and DISPUTE, asking for proof of what they say I owe, since I need to find out if they have posted those two payments....but no one has listened so far, not even wells fargo. so feels like its a waste of time. They are showing a different amount being owed than what the last collection agency showed.
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