Debt collector problem?
i recieved a debt notice from the place the debt occured and the debt collection agency the same day, the debt collector has been sending me bills for amount of debt being 13,000 i call the place where the debt occured the collection agency parent company Salle Mae answers the phone on behalf of the place and they told me i have a debt of 5000 i asked for a statement showing that 5000 is the amount, they say that the system is down and can not process that. and to call back or they'll have someone call me
I had them have someone call me never happen.
I called them back same damn problem month later.
I asked could i speak with someone at the place and they said they can not transfer me. they said i can either wait for someone to call me or call back later or i can come in i told them iam in Hawaii and there on the east coast. everytime i call i get another bs excuse.
Update:I called the place at which the debt occured and Salle Mae answers all there phones for them i called like 10 different numbers all said Salle Mae Answer on behalf of.
I told them i want to speak with someone at the place and they said that they can not do with that because there only dealing with people in person. and that they could have someone call me from there still waiting for that call.
I told them i dont want to speak with the debt with the company that owns the debt collector they said that they can not do with that because there only dealing with people in person. and that they could have someone call me.
Its been 2 weeks no one has called me
Update 3:I recorded all calls between all parties
Update 5:and Salle Mae keeps trying to offer me a loan for 13,000
Comments
Go to http://www.ftc.gov/
Read the fair debt collections practice act.
First thing: Start dealing in writing only. You have the right to demand that all future correspondence be done by mail only. So do that, in writing, by certified mail with return receipt (go to the post office. Costs $2-3. Don't go cheap and send it normal mail.).
Second, in that letter or another, demand that they validate the debt and current balance. Again, in writing.
Once you get your receipt in the mail that they've gotten your demand letter, if you get another call you be sure to tell them that they can't call you anymore, that they got your notice on X date, signed by X, and that you will document every phone call from that day forward. And do it. Time, date, who called. If they can't follow the law, they can be sued.
Sounds like you are getting the run around. Write a letter of dispute to the collection agency asking them to prove this debt. They have 30 days in which to do it. Send the letter registered mail so you have proof of receipt. If they do not respond within 30 days, you do not have to pay the collection agency & they must remove that from your credit report. You will however, still owe the original creditor - as the collection agency will turn the debt back over to them.
I used to work in a collection agency - so I know this will work. Good Luck!
being a fellow debt holder like you. i think when you debt is turned over to an agency, they begin to charge you late fees towards you original debt. i do not know how long you have had this outstanding loan, but if i am not mistaking i believe that is what is happening in your case.
perhaps consult with a professional
also, try to look for some of your old bill statements if you can.
then you will have proof that your original debt is 5000. and when you try to pay this debt off , tell them that you owe 5000 and will pay that only. they will accept it because they want their money back. they bought the debt from sallie mae for half of that price anyway-- so no one is losing out.
This sounds very suspicious. It could possibly be a scam to get your money or access to your bank account.
Creditors should always be able to verify the debt for you. If you do truly owe someone money, contact the original creditor directly and they can help you... or at least point you in the right direction.
Send your request in writing via mail or fax and keep copies/confirmations. Go to wikipedia and look up FDCPA to learn your rights. A person with FDCPA knowledge is a debt collector's worst nightmare
This happened to me, but with different company. Check phone number and addresses and account numbers to make sure all this is legit. Don't give out your personal information to anyone over the phone.
When you make money you can decide how to spend it. Stay out of her finances and MYOB.
scammers>