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Alliance One Extremely rude, unprofessional, harrassing.. Ripoff Mendota Minnesota
A few years ago I had a credit card w/ a certain company. Due to financial circumstances at the time, I was not able to keep up w/my payment arrangements, and my account eventually got transferred to Alliance One. I have received numerous calls from this company, all bordering on harrasment, and probaby even crossing that line. I was given the amount due, which I said I had no problem paying, but would like them to mail or fax me a letter w/that amount, and I would immediately set up a payment at that time. The gentlemen on the phone immediately changed his tone, laughed and said "oh..I see..you're trying to get out of paying your bills just like everyone else, fine..I'll just put you down as "refusing to pay" ". I explained that I was not at all refusing to pay, but would like something in writing stating that once I paid, my account would be settled. He laughed, and hung up.
Yesterday, I received a call from someone at Alliance One, by the name of Angela, she was horrible..extremely rude,said things that were not called for at all. I told her once I received the letter I would be more than happy to settle my account, but that I was out of town until Friday. She immediately started yelling, stating that I didn't have time to pay bills...but had time to go out of town??!!etc..etc..It got worse from there..I cannot even begin to explain how horrible she was. She continously insulted me. I asked to please speak w/her manager, or anyone above her. She said I was out of luck, she was "as high up as I was gonna get". She refused to give me anyone else, and hung up on me. I immediately called back, and she answers the phone stating "WHAT DO YOU WANT TRINITY?!". Is that anyway to answer a phone at a business?? She said she was done dealing w/me..(but not so nicely), and hung up on me at least 4 more times. The calls was soo much worse than this, but it would take forever to type it up. I am not all all comfortable giving this extremely unprofessional company my bank account information, I do not at all trust that they would ONLY take out the ammount they say. I am at a loss as to what to do in this situation, or who to contact since she says there is no one higher than her...
Tv
round rock, Texas
U.S.A.
15 Updates & Rebuttals
Tim
Valparaiso,Indiana,
U.S.A.
A few points
#16Consumer Suggestion
Sat, April 05, 2008
1) An accepted settlement offer does not "validate" the debt. It is a VERY well settled principle of law that communications in furtherance of settlement are NEVER construed as admissions of liability.
2) If you wish to settle a debt with a collection agency, ensure that THEY send the settlement offer, and that the offer contains a provision that the collection agency will indemnify you against any claims by the original creditor.
3) Steve is crafty, lucky, and good at how he operates. He knows how to play the credit industry very well. Don't anticipate that you will have the same craftiness or luck that he has.
4) To the debt collectors: when credit is extended, it is usuallly comes along with a "risk premium." This means that the creditor understands that there is a likelihood that it will not be paid, and extra money and/or interest is tacked on to the bill reflecting that likelihood. As such, another basic principle of law is that there is no "moral" aspect to financial transactions.
Steve's creditors are getting screwed because they don't know, and failed to investigate, who they are dealing with. But they are making up for any losses by extra interest and fees paid by the rest of us. But the rest of us should not fret, for Steve's creditors are sleeping on pillows made of gold and cocaine either way.
In the interest of full disclosure, I am an attorney. I have also probably had a bit too much to drink tonight, so the "cocaine" reference may have been out of line. Nonetheless, I feel as though the rest of my comments/advice are solid, and that NOBODY can call me out on either my grammar or my speling.
Good night, and best regards to all!
Johnny Payme
Savoy,Texas,
U.S.A.
I got the answer to my question. I guess we would all feel like experts if we walked away from what was it Steve? 170k in debt?
#16Consumer Suggestion
Wed, April 02, 2008
The following is a direct quote made by ol' steve in another listing. He feels like an expert because he is what many of us in the industry refer to as a professional debtor. I know many people are not like steve but this gives you an idea of the mentality of a person you may or may not be taking advice from. So, steve... How is that credit score these days? Up over 600 yet? How is your book coming along? You say you don't believe in getting something for nothing but that statement sure doesn't seem to agree with what you preach.
>>>>>Well, my credit score is back up to about 580 up from 385. I just paid off my 5 year truck loan in 39 months which will bring it up some more. And I have been paying my BofA Visa all along as they never played games with me. They will continue to be paid until they do.
I made a choice to not have a house payment or a car payment, so I do not need a credit score for anything.
I already have everything I need. And I got letters of reference fro all of my good accounts paid off, and also fro all cellular, utility, and insurance.
All of my needs are met, and by only reportable income is immune from garnishment or siezure.
And, if you have some cash on hand, you can get anything you want financed if you really have to, just at a higher rate.
When I write my book, that income will be in a family trust which is also untouchable. When I start my trucking company, it will be a corp, and my 17 year old nephew will be the PRES and my 84 year old grandmother will be the Treas.
I just outright tell these companies to sue me! Then I tell them there are no assets to get and my income is not garnishable! Then I laugh at them and tell them to waste more time and money suing me and getting a judgement to still get nothing!
I get lawsuits dismissed on a regular basis before they even go to court! These lawyers are such morons. I can find something wrong with each and every filing.
I put myself in a position to be untouchable. Through many years of experience in the financial business.
I am going to write a book that is a step by step manual for any given situation to allow everyone to d what I did without filing bankruptcy.
I am not an advocate of getting something for nothing or engaging in fraud. I AM an advocate of RESPONSIBLE LENDING. Unsecured creditors are just that. UNSECURED!! If they would tighten thier guidlines and actually do semi annual income and expense and asset verifications they would not be in the bad debt situation they are in.
They CHOOSE to get screwed because of the careless and arrogant way they do businesss.
My goal is to bring them to thier Knees and FORCE them to change. It will also ELIMINATE the viability of debt buying as everyone in the nation will know they cannot collect!
That is my goal. And it WILL happen in the next 5 years. I already have an outlet to introduce my book live on TV.
I am on a mission. I will succeeed.
Johnny Payme
Savoy,Texas,
U.S.A.
Some education for the lawyer wanna-bees?
#16Consumer Suggestion
Wed, April 02, 2008
First of all I never said for the consumer to send in a settlement request. Their complaint was the fact that the collection agency refused to send them a settlement letter. My suggestion was if they wanted a settlement letter to have the collection agency fax the settlement letter over while they had them on the line. This way the consumer gets the letter they want and can get the account resolved. If the consumer has absolutely no intention of actually paying the bill then by all means send a cease communication letter. One less person that we have to call that doesn't want to pay their bill. This does not reset the statute of limitations on a debt. That starts from the date the service was rendered/date account became delinquent. Never did I ask the consumer to send in anything on their part and even if I did (which I didn't) that does not reset the SOL.
As far as STEVE...
There wouldn't be any use for a collection agency if everyone paid all their bills on time always. But unfortunately that's not the case. People have things come up. They for some reason or another fall behind. Maybe they had medical problems, maybe they were living beyond their means, or maybe (as in your case) they just don't believe in paying their bills. A lot of agencies actually work for the original creditor and more often than not they offer the consumer a better payment plan then the original creditor would offer in the first place... You guys really need to catch up in your law books before trying to come at me.
>>>>
Johnny Payme, you are right about one - and ONLY one - thing here...
It is in fact the Fair Debt Collection Practices Act. How terrific for you...now go pat yourself on the behind...
Unfortunately for you, that is where you being correct begins and ends. As a third-party debt collector, you are owed absolutely NOTHING. The consumer has every right to tell you to shove off. After you receive that Cease Communications letter, your interaction with the customer is finished.
Tv, I cannot say it enough: DO NOT COMMUNICATE WITH THESE CREEPS BEYOND SENDING THEM THE CEASE COMMUNICATIONS LETTER!
This nimrod, Johnny Payme (interesting - and telling - name, isn't it?), is leading you down the path to Nowheresville. If you fax the bottom-feeder a settlement request, you have just validated the debt for them. The statute of limitations has just been re-started due to your acknowledgment to the OCA that you owe the debt and want to settle. At that point, they have no interest in settling with you - nor would they be required to settle. They will sue you immediately and collect/garnish your wages after that point, so do NOT listen to this idiot's advice!
Read my words, Steve's words, and KNOW how to handle these scum-sucking bottom-feeders. They have absolutely NO interest in what is best for you. They are out to collect money for someone else...period. In most cases, bottom-feeders are collecting on legally uncollectable debts. Send them the aforementioned letter...then wash them right out of your life. It works every single time.
Steve
Bradenton,Florida,
U.S.A.
Response to this collector calling himself "Johnny Payme", and a suggestion.
#16Consumer Suggestion
Sun, March 23, 2008
"Johnny Payme",
In answer to your question [below], yes, that is my standard response to ALL "third party collectors". Whether I pay my bills or not is totally irrelevent and absolutely none of your business. That is the whole point here!
EVERYONE, regardless of the status of a debt, should immediately send a CEASE COMMUNICATIONS request IMMEDIATELY to a collector upon first contact.
A third party collector serves absolutely no purpose to anyone other than themselves, and there is no reason to ever speak to one.
If these crackheads could actually validate a debt, they would have no reason to keep calling and wanting to speak to you, right?
They would just file a lawsuit, right?
Is that not logical?
Thats the way it should be. No need for third party debt collectors. NONE. They are parasites and lowlife and should be avoided. NO EXCEPTIONS.
This is why I make them pay! They are stupid enough and arrogant enough to fall into my trap every time. Then I get paid!
It is a beautiful thing when you get paid by a debt collector!!
Don't get mad, GET PAID!!
>>>
Submitted: 3/16/2008 6:55:34 PM
Modified: 3/16/2008 8:05:01 PM Johnny Payme
Savoy, Texas
U.S.A.
Here is a simple solution
Here is a way to solve your problem. Contact the collection agency and advise them to fax you the settlement letter while you have them on the phone. I see no reason why they should not be able to do that. It's a win win situation your paying your bill for a lesser amount and they are getting their money.
As far as truth detector... It's not the federal debt collection practices act it's the fair debt collection practices act.
As far as Steve... Do you pay your bills or do you just wait until they go to collections and send a cease communication letter so you can attempt to collect? It seems like that's the case considering that is your response to every collection agency complaint.
>>>
Robert
Buffalo,New York,
U.S.A.
Never settle with a 3rd party debt collector!
#16Consumer Suggestion
Sat, March 22, 2008
""Here is a way to solve your problem. Contact the collection agency and advise them to fax you the settlement letter while you have them on the phone. I see no reason why they should not be able to do that. It's a win win situation your paying your bill for a lesser amount and they are getting their money.
""
Monopoopyman must really be low on his numbers.
NEVER, repeat NEVER, agree to a settlement with a 3rd party collection agency! All it will accomplish is to get that particular debt collector off your back. The CREDITOR is free to come after you at a later date for the remainder of the debt!!!
If you're going to propose a settlement, always reach a settlement agreement with the CREDITOR and ONLY THE CREDITOR. Further, you shouldn't send the creditor a dime unless you receive (in the mail) a written settlement agreement that clearly states 2 things:
1. That the entire debt is absolved buy you paying the settlement amount.
2. That the creditor will report the debt to the CRAs as "paid as agreed."
These 2 points should not be negotiable with you. You have something they want-your money. If they are not willing to abide by these 2 stipulations, then what's the point of offering a settlement?
Truth Detector
Intercourse,Pennsylvania,
U.S.A.
Johnny Payme, you are right about one - and ONLY one - thing here...
#16Consumer Comment
Mon, March 17, 2008
It is in fact the Fair Debt Collection Practices Act. How terrific for you...now go pat yourself on the behind...
Unfortunately for you, that is where you being correct begins and ends. As a third-party debt collector, you are owed absolutely NOTHING. The consumer has every right to tell you to shove off. After you receive that Cease Communications letter, your interaction with the customer is finished.
Tv, I cannot say it enough: DO NOT COMMUNICATE WITH THESE CREEPS BEYOND SENDING THEM THE CEASE COMMUNICATIONS LETTER!
This nimrod, Johnny Payme (interesting - and telling - name, isn't it?), is leading you down the path to Nowheresville. If you fax the bottom-feeder a settlement request, you have just validated the debt for them. The statute of limitations has just been re-started due to your acknowledgment to the OCA that you owe the debt and want to settle. At that point, they have no interest in settling with you - nor would they be required to settle. They will sue you immediately and collect/garnish your wages after that point, so do NOT listen to this idiot's advice!
Read my words, Steve's words, and KNOW how to handle these scum-sucking bottom-feeders. They have absolutely NO interest in what is best for you. They are out to collect money for someone else...period. In most cases, bottom-feeders are collecting on legally uncollectable debts. Send them the aforementioned letter...then wash them right out of your life. It works every single time.
Johnny Payme
Savoy,Texas,
U.S.A.
Here is a simple solution
#16Consumer Suggestion
Mon, March 17, 2008
Here is a way to solve your problem. Contact the collection agency and advise them to fax you the settlement letter while you have them on the phone. I see no reason why they should not be able to do that. It's a win win situation your paying your bill for a lesser amount and they are getting their money.
As far as truth detector... It's not the federal debt collection practices act it's the fair debt collection practices act.
As far as Steve... Do you pay your bills or do you just wait until they go to collections and send a cease communication letter so you can attempt to collect? It seems like that's the case considering that is your response to every collection agency complaint.
Faron
Houston,Texas,
U.S.A.
Bottomfeeders never give up, it seems
#16Consumer Comment
Mon, March 17, 2008
Monopolyman, if you had taken the time to read the OP's report she stated she is willing to pay as long as the proper documentation is given. I wonder why a bottomfeeder wouldn't want to provide this, hmmmm? The consumer is merely trying to protect herself from the slimeball company you work for. It sure doesn't sound to me this fellow miscreant, Angela is the sweet person you make her out to be. I was reading information about your sleazy company from another website and they didn't have the same opinion of Angela as you do, either. I am seeing a pattern here that doesn't conform to your BS. It is a shame this lady is ready to pay what she owes and you scumbags don't want to cooperate.
Another thing, you better read up on that FDPCA, because you know not what you are talking about, which is typical of sleazy bottomfeeders. If I were this lady I would make you rue the day you made some stupid comment about how many times you are allowed to call.
Steve
Bradenton,Florida,
U.S.A.
"Tv"..DO NOT listen to this fool calling himself "Monopolyman"!!
#16Consumer Suggestion
Sun, March 16, 2008
This guy is a moron, just like most third party debt collectors. DO NOT listen to anything he says. Calling repeatedly is a DIRECT VIOLATION of the FDCPA! This jerk just does not know how to read.
Causing the phone to ring repeatedly is harassment and is illegal as per the FDCPA. Each state has expanded laws on this issue.
All you have to do as per the FDCPA is send a CEASE COMMUNICATIONS REQUEST. Once this is done they can only contact you 1 more time to let you know they got your request, and of their further intentions. Thats it. Any other communications EVER, you can sue them. It is easy money!
There is no better feeling in the world than getting paid by a bottomfeeder. It is easier than you think!
Tv,
First, NEVER speak to any third party collector on the phone! NEVER DO THIS!! It will NEVER produce positive results for you.
Second, they will try to trip you up like that comment of marking you down as "refusal to pay". WHO CARES!! That means nothing at all to anyone! It is just another form of intimidation. It does not affect your rights in any way. They just hope you don't know this.
Go to FTC.gov and file a complaint against this collector for the abuse and FDCPA violations. Do a separate report for each violation as enforcemnt is brought based on number of complaints.
Monopolyman jibberish>>
Monopolyman
Maplewood, Minnesota
U.S.A.
Let me explain something to you.
Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.
When the account is acquired, a letter of debt is sent. The letter states, what you owe. Most people who say 'send me a letter' are stalling, and trying to get out of A. talking to the debt collector and B. making a sad attempt at buying time. God bless the speed of the postal service.
I'll have you know that I know angela personally. She is a great supervisor and is very professional when you are being cooperative and not full of BS. She has been there for over a decade and knows this business inside and out.
What she said was true. Why is it you could afford to go out of town and you had the time to go out of town but you can't take care of a bill that you legally owe? Your priorities are messed up.
I'm pretty sure you were just trying to buy yourself more time without being willing to work something out, like most people.
Basically Angela shoots from the hip and if you are wasting her time, she will hang up on you. Why should we go round and round if you aren't going to be responsible?
I'm pretty sure I remember you calling. Angela doesn't answer the phone like that unless you call back repeatedly.
If you weren't calling to make a payment why should we waste our time talking to you when there are actual people out there who are willing to pay for the bills they rack up.
Honestly, it doesn't matter to us if you pay your bill or not. It doesn't matter if you believe the debt is valid. It doesn't matter how much you THINK you owe. It's your credit. Its your life. You will eventually come to realize all this and regret the choice not to pay your bills and settle when you were given a chance.
As for taking money out of your account? When you do a check by phone, it is not an automatic withdrawal. It gets processed like a paper check. Secondly, and what most of you people don't realize, is that the process is recorded. To take more than authorized on a date not authorized is illegal, and the company can suffer major consequences for violating that, so it's just not intentionally done.
>>>
Steve
Bradenton,Florida,
U.S.A.
"Tv"..DO NOT listen to this fool calling himself "Monopolyman"!!
#16Consumer Suggestion
Sun, March 16, 2008
This guy is a moron, just like most third party debt collectors. DO NOT listen to anything he says. Calling repeatedly is a DIRECT VIOLATION of the FDCPA! This jerk just does not know how to read.
Causing the phone to ring repeatedly is harassment and is illegal as per the FDCPA. Each state has expanded laws on this issue.
All you have to do as per the FDCPA is send a CEASE COMMUNICATIONS REQUEST. Once this is done they can only contact you 1 more time to let you know they got your request, and of their further intentions. Thats it. Any other communications EVER, you can sue them. It is easy money!
There is no better feeling in the world than getting paid by a bottomfeeder. It is easier than you think!
Tv,
First, NEVER speak to any third party collector on the phone! NEVER DO THIS!! It will NEVER produce positive results for you.
Second, they will try to trip you up like that comment of marking you down as "refusal to pay". WHO CARES!! That means nothing at all to anyone! It is just another form of intimidation. It does not affect your rights in any way. They just hope you don't know this.
Go to FTC.gov and file a complaint against this collector for the abuse and FDCPA violations. Do a separate report for each violation as enforcemnt is brought based on number of complaints.
Monopolyman jibberish>>
Monopolyman
Maplewood, Minnesota
U.S.A.
Let me explain something to you.
Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.
When the account is acquired, a letter of debt is sent. The letter states, what you owe. Most people who say 'send me a letter' are stalling, and trying to get out of A. talking to the debt collector and B. making a sad attempt at buying time. God bless the speed of the postal service.
I'll have you know that I know angela personally. She is a great supervisor and is very professional when you are being cooperative and not full of BS. She has been there for over a decade and knows this business inside and out.
What she said was true. Why is it you could afford to go out of town and you had the time to go out of town but you can't take care of a bill that you legally owe? Your priorities are messed up.
I'm pretty sure you were just trying to buy yourself more time without being willing to work something out, like most people.
Basically Angela shoots from the hip and if you are wasting her time, she will hang up on you. Why should we go round and round if you aren't going to be responsible?
I'm pretty sure I remember you calling. Angela doesn't answer the phone like that unless you call back repeatedly.
If you weren't calling to make a payment why should we waste our time talking to you when there are actual people out there who are willing to pay for the bills they rack up.
Honestly, it doesn't matter to us if you pay your bill or not. It doesn't matter if you believe the debt is valid. It doesn't matter how much you THINK you owe. It's your credit. Its your life. You will eventually come to realize all this and regret the choice not to pay your bills and settle when you were given a chance.
As for taking money out of your account? When you do a check by phone, it is not an automatic withdrawal. It gets processed like a paper check. Secondly, and what most of you people don't realize, is that the process is recorded. To take more than authorized on a date not authorized is illegal, and the company can suffer major consequences for violating that, so it's just not intentionally done.
>>>
Steve
Bradenton,Florida,
U.S.A.
"Tv"..DO NOT listen to this fool calling himself "Monopolyman"!!
#16Consumer Suggestion
Sun, March 16, 2008
This guy is a moron, just like most third party debt collectors. DO NOT listen to anything he says. Calling repeatedly is a DIRECT VIOLATION of the FDCPA! This jerk just does not know how to read.
Causing the phone to ring repeatedly is harassment and is illegal as per the FDCPA. Each state has expanded laws on this issue.
All you have to do as per the FDCPA is send a CEASE COMMUNICATIONS REQUEST. Once this is done they can only contact you 1 more time to let you know they got your request, and of their further intentions. Thats it. Any other communications EVER, you can sue them. It is easy money!
There is no better feeling in the world than getting paid by a bottomfeeder. It is easier than you think!
Tv,
First, NEVER speak to any third party collector on the phone! NEVER DO THIS!! It will NEVER produce positive results for you.
Second, they will try to trip you up like that comment of marking you down as "refusal to pay". WHO CARES!! That means nothing at all to anyone! It is just another form of intimidation. It does not affect your rights in any way. They just hope you don't know this.
Go to FTC.gov and file a complaint against this collector for the abuse and FDCPA violations. Do a separate report for each violation as enforcemnt is brought based on number of complaints.
Monopolyman jibberish>>
Monopolyman
Maplewood, Minnesota
U.S.A.
Let me explain something to you.
Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.
When the account is acquired, a letter of debt is sent. The letter states, what you owe. Most people who say 'send me a letter' are stalling, and trying to get out of A. talking to the debt collector and B. making a sad attempt at buying time. God bless the speed of the postal service.
I'll have you know that I know angela personally. She is a great supervisor and is very professional when you are being cooperative and not full of BS. She has been there for over a decade and knows this business inside and out.
What she said was true. Why is it you could afford to go out of town and you had the time to go out of town but you can't take care of a bill that you legally owe? Your priorities are messed up.
I'm pretty sure you were just trying to buy yourself more time without being willing to work something out, like most people.
Basically Angela shoots from the hip and if you are wasting her time, she will hang up on you. Why should we go round and round if you aren't going to be responsible?
I'm pretty sure I remember you calling. Angela doesn't answer the phone like that unless you call back repeatedly.
If you weren't calling to make a payment why should we waste our time talking to you when there are actual people out there who are willing to pay for the bills they rack up.
Honestly, it doesn't matter to us if you pay your bill or not. It doesn't matter if you believe the debt is valid. It doesn't matter how much you THINK you owe. It's your credit. Its your life. You will eventually come to realize all this and regret the choice not to pay your bills and settle when you were given a chance.
As for taking money out of your account? When you do a check by phone, it is not an automatic withdrawal. It gets processed like a paper check. Secondly, and what most of you people don't realize, is that the process is recorded. To take more than authorized on a date not authorized is illegal, and the company can suffer major consequences for violating that, so it's just not intentionally done.
>>>
Steve
Bradenton,Florida,
U.S.A.
"Tv"..DO NOT listen to this fool calling himself "Monopolyman"!!
#16Consumer Suggestion
Sun, March 16, 2008
This guy is a moron, just like most third party debt collectors. DO NOT listen to anything he says. Calling repeatedly is a DIRECT VIOLATION of the FDCPA! This jerk just does not know how to read.
Causing the phone to ring repeatedly is harassment and is illegal as per the FDCPA. Each state has expanded laws on this issue.
All you have to do as per the FDCPA is send a CEASE COMMUNICATIONS REQUEST. Once this is done they can only contact you 1 more time to let you know they got your request, and of their further intentions. Thats it. Any other communications EVER, you can sue them. It is easy money!
There is no better feeling in the world than getting paid by a bottomfeeder. It is easier than you think!
Tv,
First, NEVER speak to any third party collector on the phone! NEVER DO THIS!! It will NEVER produce positive results for you.
Second, they will try to trip you up like that comment of marking you down as "refusal to pay". WHO CARES!! That means nothing at all to anyone! It is just another form of intimidation. It does not affect your rights in any way. They just hope you don't know this.
Go to FTC.gov and file a complaint against this collector for the abuse and FDCPA violations. Do a separate report for each violation as enforcemnt is brought based on number of complaints.
Monopolyman jibberish>>
Monopolyman
Maplewood, Minnesota
U.S.A.
Let me explain something to you.
Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.
When the account is acquired, a letter of debt is sent. The letter states, what you owe. Most people who say 'send me a letter' are stalling, and trying to get out of A. talking to the debt collector and B. making a sad attempt at buying time. God bless the speed of the postal service.
I'll have you know that I know angela personally. She is a great supervisor and is very professional when you are being cooperative and not full of BS. She has been there for over a decade and knows this business inside and out.
What she said was true. Why is it you could afford to go out of town and you had the time to go out of town but you can't take care of a bill that you legally owe? Your priorities are messed up.
I'm pretty sure you were just trying to buy yourself more time without being willing to work something out, like most people.
Basically Angela shoots from the hip and if you are wasting her time, she will hang up on you. Why should we go round and round if you aren't going to be responsible?
I'm pretty sure I remember you calling. Angela doesn't answer the phone like that unless you call back repeatedly.
If you weren't calling to make a payment why should we waste our time talking to you when there are actual people out there who are willing to pay for the bills they rack up.
Honestly, it doesn't matter to us if you pay your bill or not. It doesn't matter if you believe the debt is valid. It doesn't matter how much you THINK you owe. It's your credit. Its your life. You will eventually come to realize all this and regret the choice not to pay your bills and settle when you were given a chance.
As for taking money out of your account? When you do a check by phone, it is not an automatic withdrawal. It gets processed like a paper check. Secondly, and what most of you people don't realize, is that the process is recorded. To take more than authorized on a date not authorized is illegal, and the company can suffer major consequences for violating that, so it's just not intentionally done.
>>>
Truth Detector
Intercourse,Pennsylvania,
U.S.A.
A word of warning to the scum-sucking bottom feeder...
#16Consumer Comment
Sun, March 16, 2008
First, let me advise Tv to please read below for your remedy to the harassment you have experienced at the hands of these bottom-feeders. ONE LETTER, sent via certified mail, return receipt requested, will make them go away.
Now a few words for the bottom-feeder. You wrote:
'Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.'
Correction, bottom-feeder: As a 3rd party collector, you will stop ALL calls regarding ANY debt the moment you receive a CEASE COMMUNICATIONS letter from the OP. Your calls past that point constitute a violation of federal collection law. Should you decide to call the OP subsequent to receipt of that letter, you are subject to a fine of $1000 for EACH COMMUNICATION. Hope you saved the scraps from your dinner table last night to eat moving forward - because that's alot of money you will be fined if you call every hour on the hour.
Here endeth your REAL lesson regarding the FDCPA. Now, take your little headphones and scurry on back to your rathole/cubicle and try to pass lies to other unsuspecting consumers. You have been EXPOSED here as a scum-sucking, bottom-feeder who has no working knowledge of the Federal Debt Collection Practices Act.
Next time, try a little more education before you debate at the big boys' table...
Robert
Buffalo,New York,
U.S.A.
Ya gotta cite from the FDCPA for that?
#16Consumer Comment
Sun, March 16, 2008
""According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour.""
Utter tripe. There is NO SUCH provision in the FDCPA.
Kindly post the paragraph number that states this about debt collectors.
I already know you can't quote a paragraph number, but go ahead and try.
Monopolyman
Maplewood,Minnesota,
U.S.A.
Let me explain something to you.
#16UPDATE Employee
Tue, March 04, 2008
Lets start at the beginning. Firstly, People think just because they get called every day, it's harassment. It isn't. According to the FDCPA, debt collectors are allowed to call every day until the debt is paid. We are able to call without contact once per day. If we haven't spoken to you yet, we can call every hour. Generally alliance one employees call every three...but the law is every hour.
When the account is acquired, a letter of debt is sent. The letter states, what you owe. Most people who say "send me a letter" are stalling, and trying to get out of A. talking to the debt collector and B. making a sad attempt at buying time. God bless the speed of the postal service.
I'll have you know that I know angela personally. She is a great supervisor and is very professional when you are being cooperative and not full of BS. She has been there for over a decade and knows this business inside and out.
What she said was true. Why is it you could afford to go out of town and you had the time to go out of town but you can't take care of a bill that you legally owe? Your priorities are messed up.
I'm pretty sure you were just trying to buy yourself more time without being willing to work something out, like most people.
Basically Angela shoots from the hip and if you are wasting her time, she will hang up on you. Why should we go round and round if you aren't going to be responsible?
I'm pretty sure I remember you calling. Angela doesn't answer the phone like that unless you call back repeatedly.
If you weren't calling to make a payment why should we waste our time talking to you when there are actual people out there who are willing to pay for the bills they rack up.
Honestly, it doesn't matter to us if you pay your bill or not. It doesn't matter if you believe the debt is valid. It doesn't matter how much you THINK you owe. It's your credit. Its your life. You will eventually come to realize all this and regret the choice not to pay your bills and settle when you were given a chance.
As for taking money out of your account? When you do a check by phone, it is not an automatic withdrawal. It gets processed like a paper check. Secondly, and what most of you people don't realize, is that the process is recorded. To take more than authorized on a date not authorized is illegal, and the company can suffer major consequences for violating that, so it's just not intentionally done.