John
Califon,#2Consumer Comment
Thu, December 07, 2006
Not until you get a letter of confirmation from them that the debt is indeed settled and that I-Collect will not be contacting you anymore. For your sake, I hope I'm wrong.
Jennifer
Boelus,#3Author of original report
Wed, December 06, 2006
Just wanted to update, I called Paragon, and explained the situation, told them the dates I had called to inform them of the stop payment I had put on them, and the date I called to let them know I had closed my checking account and wanted to make payment arrangements, which on that date told me in no uncertain terms would I be allowed to make payments. I told them I had not heard from them until this collection company called, which I found out is called I-Collect. Paragon of coarse said they had no record of the two phone calls from me until yesterday. I went on to explain the phone calls from the collection company, and told them if they wanted their money I would pay them and no one else. They told me it was to late the account was out of their office, and no way to get it back. I then asked to speak with a supervisor, and again explained my situation, again being told there was no way to get back the account into their office. I then asked to speak to the supervisor's manager,and after being told she would tell me the same thing, they finally put her on. I again explained my situation to her, who asked what kind of payment arrangements I wanted to make, and I told her I had the money to pay account off in full now. She said she would make some calls to try to get account back into her office. I later called back, and she said she got it handled. I paid over the phone, and made sure that they would never put money in my account again, and then try to charge me all over again, and I paid them. By the way, I only had to pay them the full amount owed plus one $90 fee, so all I ended up paying to pay off account was $390.00, not the $751.00 that the collection company "I-COLLECT" demanded I pay. I have since filed reports with the BBB, AG's office, and still will be contacting a couple of others.
Jenifer
Portland,#4Consumer Comment
Tue, December 05, 2006
You need to keep a record of every contact made by the company to you. If what you say happened actually happened, they are in violation of the FCRA and you can go after them. They lied when they said they would send someone to your job to arrest you---they don't have the authority. And the thing with the FCRA is, if they threaten it, they better have the intention and the means to follow up on that threat or it is a violation...my suggestion to you? Change your phone number and do not contact them other than with typed, not signed letters that ONLY refer to information you KNOW they have about you. Also go to the bud hibbs website and look there for some advice.
Michael
Bountiful,#5Consumer Comment
Tue, December 05, 2006
You're not going to jail. Legally, they cannot threaten you with that. Not just because it's a retarded thing to say but it's just plain WRONG. I wouldn't waste my time with an attorney. Take them to small claims court. Your county clerk's office will help you with the process. It's easy. In the meantime, tell the loan company to stick it and not to call you anymore. Never, talk to these people on the phone. NEVER!! Again, don't worry about jail. You're not going. It's just a tactic used to get people to pay up. It's an empty threat and one they can never enforce. Then never take one of these loans out again. Cheers!