I closed my account and now they sen me this email:
We have received information from your bank that you have closed the account, which you authorized to be debited in order to repay your legally binding loan obligation. We consider this to be a refusal to repay your debt and will immediately initiate action to protect our interest. We must require that you render your payment in the amount of $850.50 via western union quick collect or moneygram immediately. This payment reflects your balance as of September 5th 2008.
We may also initiate other action, which may include, but not be limited to, obtaining legal representation, (which would create additional charges to you), if we do determine that a request be made for service or a court appearance for a possible judgment be issued against you for the repayment of this legally binding debt.
Depending on the circumstances surrounding how you obtained the loan, we may also initiate internal investigation to ensure all information submitted on the loan application was accurate and not done fraudulently in order to attempt to obtain a loan under false pretenses.
You need to go to Western Union and get the BLUE QUICK COLLECT FORM (or go to www.westernunion.com and choose the quick collection option)
1. COMPANY NAME: CREDIT PROTECTION DEPOT
2. CODE CITY: OFFER (ONE WORD NO SPACES).
3. STATE: NEVADA
4. ACCOUNT #: Your Social Security Number
5. The reference # is Your Telephone Number
You can also use your debit card or various charge cards at westernunion.com
OR you can go to Moneygram and get the BLUE EXPRESSPAYMENT FORM
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1431396036
If you are unable to pay $850.50 for the entire balance on the loan then we must require a minimum payment of $272.50 place the account on hold.
If this account is referred for further review and action to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with costs involved for the collection of this debt.
Please call us immediately with the Control Number of your wire in order to update your account and to avoid other action and charges to you.
I would highly suggest you call 1-866-645-1661 to resolve this matter immediately. This is the only way for you to resolve this very serious situation, which you have initiated. Your failure to do so may result in the above-mentioned action being taken
Credit Protection Depot
**Please Do Not Reply To This Email**
You can contact us at our toll free number 1-866-645-1661.
what should I do, call them back?
what should I tell them?
they call my reference number alredy too.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.