Collection Agency Claiming Debt on Paid Debt
Date: Tue, 04/27/2010 - 17:33
Hi,
I just got a phone call from NRS claiming that I owe 2 loans for Authorized Payday aka Platinum Cashlink. First, I acknowledge that I took out a loan on 4/2007, but they claim that there was a piggy back loan on 5/2007, which I never authroized. They are claiming I owe $874, but my original loan was for $450 and with interest I think the total was only like $550. I know that the orginial loan did go into collections, which I promptly paid in 2008. They have no record of this and claim that they just received this debt 4/23/2010. What can I do to resolve this? I'm not even sure which bank account I used to pay this. At the time, I had 3 accounts and 2 of them are closed now. I'm hoping I can find these receipts, but what can I do if I can't find the proof of payment.
I just got a phone call from NRS claiming that I owe 2 loans for Authorized Payday aka Platinum Cashlink. First, I acknowledge that I took out a loan on 4/2007, but they claim that there was a piggy back loan on 5/2007, which I never authroized. They are claiming I owe $874, but my original loan was for $450 and with interest I think the total was only like $550. I know that the orginial loan did go into collections, which I promptly paid in 2008. They have no record of this and claim that they just received this debt 4/23/2010. What can I do to resolve this? I'm not even sure which bank account I used to pay this. At the time, I had 3 accounts and 2 of them are closed now. I'm hoping I can find these receipts, but what can I do if I can't find the proof of payment.
Also, I can't afford a bad mark on my credit. I just spent the p
Also, I can't afford a bad mark on my credit. I just spent the past 2.5 years rebuilding it. I am very careful about my credit and monitor it regularly.
Send them a debt validation letter. make them prove everything.
Send them a debt validation letter. make them prove everything.
