Laurie
Haslet,#2Consumer Suggestion
Wed, November 19, 2008
you have to do everything in writing with Collection Agencies, certified mail - return reciept - If you had started out by learning about YOUR RIGHTS which is obvious that you have no idea. www.ftc.gov - Fair Debt Collection Practices Act - this law PROTECTS YOU! For instance to stop collection calls you send a cease communications letter. You were correct in contacting Progressive, to resolve the issue directly with them and never negotiate with debt collectors - as they will lie. Make sure you get copies of the letter sent to collections to cease - so when the collection agency sells it to another one - YES THEY DO THAT - you have the letter from the original creditor.
Nbnj
no. brunswick,#3Author of original report
Wed, November 19, 2008
After several contacts with Progressive, I was able to get this cleared up. I even received a credit and a check will be sent to me. I received a fax from Progressive putting me in the clear but CCS was persistent in trying to get to pay this bill and threatened to post to my credit since their records had not been reflected that Progressive cleared it up. I contacted Progressive and advised them of the situation and they told me that it can take up to 30 days and I told Progressive I will not stand for additional collection calls if my account is clear. Progressive contacted CCS and my account is on a hold status until CCS system updates. Please be persistent and make sure you get names and extensions and keep all correspondences you make via fax, email, etc.
Nbnj
no. brunswick,#4Author of original report
Wed, November 19, 2008
After several contacts with Progressive, I was able to get this cleared up. I even received a credit and a check will be sent to me. I received a fax from Progressive putting me in the clear but CCS was persistent in trying to get to pay this bill and threatened to post to my credit since their records had not been reflected that Progressive cleared it up. I contacted Progressive and advised them of the situation and they told me that it can take up to 30 days and I told Progressive I will not stand for additional collection calls if my account is clear. Progressive contacted CCS and my account is on a hold status until CCS system updates. Please be persistent and make sure you get names and extensions and keep all correspondences you make via fax, email, etc.
Nbnj
no. brunswick,#5Author of original report
Wed, November 19, 2008
After several contacts with Progressive, I was able to get this cleared up. I even received a credit and a check will be sent to me. I received a fax from Progressive putting me in the clear but CCS was persistent in trying to get to pay this bill and threatened to post to my credit since their records had not been reflected that Progressive cleared it up. I contacted Progressive and advised them of the situation and they told me that it can take up to 30 days and I told Progressive I will not stand for additional collection calls if my account is clear. Progressive contacted CCS and my account is on a hold status until CCS system updates. Please be persistent and make sure you get names and extensions and keep all correspondences you make via fax, email, etc.
Nbnj
no. brunswick,#6Author of original report
Wed, November 19, 2008
After several contacts with Progressive, I was able to get this cleared up. I even received a credit and a check will be sent to me. I received a fax from Progressive putting me in the clear but CCS was persistent in trying to get to pay this bill and threatened to post to my credit since their records had not been reflected that Progressive cleared it up. I contacted Progressive and advised them of the situation and they told me that it can take up to 30 days and I told Progressive I will not stand for additional collection calls if my account is clear. Progressive contacted CCS and my account is on a hold status until CCS system updates. Please be persistent and make sure you get names and extensions and keep all correspondences you make via fax, email, etc.