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Weird Situation Please help

Date: Fri, 08/21/2009 - 13:39

Submitted by anonymous
on Fri, 08/21/2009 - 13:39

Posts: 202330 Credits: [Donate]

Total Replies: 4


Ok I am really embarrassed to tell this story but who cares. None of you know what I look like or who I am. So I dialed a phone number that had to do wit hadult entertainment. and used my debit card to pay for the call. There was more than enough money in my bank account to pay for the time of the call. The company sent me to a collection agency and the agency said there was no money in my bank account when the company went to take the money out. Now this collections account is on my report. I didnt sign a contract. They even admitted that there was nothing that was signed and that it was all over the phone. What should I do to validate? Is this a valid debt that can mess up my credit?


I would definitely dispute it. Keep a copy of your bank statement proving that the funds were in the account at the time of the transaction, just in case.

I'd write a letter to the original creditor demanding that they cease collection on this account, and that the funds *were* in the bank and it was their fault they never charged you. State that you are willing to pay and was willing to pay from the get-go and you want to know why they never charged you and how they have the nerve to take that to a collection agency on top of it.

Of course, I'm *assuming* that they never charged you. Check your bank statement.


lrhall41

Submitted by Chrys Henderson on Sun, 08/23/2009 - 23:47

( Posts: 2538 | Credits: )