Jim
Anaheim,#2Consumer Comment
Wed, September 05, 2007
You're absolutely right if Flamingo was a 3rd party to the transaction. But, from your OP, you financed the van through Flamingo. So, they aren't a 3rd party to the transaction and therefore the FDCPA doesn't apply to them......... they can make all the calls they've done. It stinks, but it's legal. Just about every 1st party lender does what this company does to effect collections, and all of it is perfectly legal. Do what you need to do to pay them; find a friend and borrow the money. Unless you're out from under these clowns, they're going to keep calling and calling every person you know.
Jai
Ormond Beach,#3Author of original report
Wed, September 05, 2007
Calls to any 3rd party violates section 805(b)2 of the Fair Debt Collection Practices Act. After contacting the collector by mail that you do not wish to receive calls at home, work, cell or any other location by phone the collector DOES NOT have the right to contact you according to the Fair Debt Colelction Practices Act [15 USC 1692c] Section 805(c) CEASING COMMUNICATION. Do your homework Dave.
Dave
Jacksonville,#4Consumer Comment
Tue, September 04, 2007
You signed a contract. You have failed to live up to your end of the contract. Yes, it's rude that they call, but hey, they have every right to do it since you have not caught up on your payments. And, for the record, "MOST OF US" have not fallen on hard times. Not trying to sound condensending here, but obviously you have sub-prime credit because of your loan company, and the reason you have sub-prime credit is from not paying your bills on time, bk, charge-offs, etc..., and all your doing is feeding the fire again. You need to pay your bills on time, and you won't get these phone calls. It's not a ripoff, it's called responsibility for your actions.