So the CA called me today saying they will consider my letter if i pay in full today, and i agreed if they sent me a letter saying they agreed, but the CA told me they couldnt because its against the rules and kept telling me to take her word for it, its not even the same agent i was dealing with the past 2 months. She seemed believable so what should i do? really need advice asap
I'm not a moderator so take my advice with a grain of salt, but if there is ever any problem in the future, you will have no documentation to prove your case other than: "I talked to someone on the phone and they said they would." If this CA is in the business of collecting money from people, they must be familiar with this type of request, and presumably (If they actually did remove the negative mark on your report) would already have documentation prepared in the event they were given such an offer. It sounds to me as though the individual your speaking with is trying just another 'ploy' to get money out of you. And once they have it, you will have no leverage to get them to remove it from your report. Remember, one of the best selling techniques is to create a sense of urgency in people. "If you don't take my deal today, it wont be there tomorrow."
In many states it is illegal to record a conversation without the other persons knowledge, and as such would not be admissible in court. I think the main word that caught my eye in your original post was when you said that they would 'consider' removing it. 'Consider' and 'will' are two entirely different words. As it relates to recording the call, take a look at what I found below with a quick google search as it relates to using recorded calls as evidence. "Individuals and businesses that make surreptitious recordings often do so with the expectation that the recordings will be useful as evidence. Such recordings are subject to significant barriers to use as evidence. First, if made in violation of either federal or state law, the recordings will almost certainly be inadmissible. Second, even if lawfully recorded, the tapes will be exempt from the hearsay rule and will not, in most jurisdictions, be usable for impeachment. Anyone contemplating an evidentiary use of surreptitious recordings should consult with an attorney prior to making the recording." Again - I cant stress enough how much you should push for a letter in the mail. (This is after all a company that makes their living dealing with collections and if they were in the habit of removing items from peoples reports they would have letters like the one you requested.) I only listed the information above because I would hate to see you disregard reason and attempt to record the call without knowing at least some of the facts.
thanks, And they did say they "Will" delete and be updated October 7. I was so happy cuz i been sending letters for almost 3 months now n finally someone calls and agrees i had my credit card number ready! haha but then i slowed down and remembered what everyone was saying to get it in writing. But they said its against regulation n i have to take they're word n i can talk to the manager to explain. its $706 payment and im a co signer and said they only consider it cuz im a co signer who wasn't notified. But my gut says NO! Not til an Email, letter in mail, Fax! Somethin... u think they'll budge? just call and say i dont agree and if they change they're mind about sending a letter they can call me when ready.
There's something fishy about a company that says that their going to do something, but doesn't want to provide documentation that their actually going to do it. I find it kind of funny that they tell you to 'Trust' them, when you were the co-signer on a loan for someone else. I mean, its you trusting other people that got you in the mess in the first place!
A verbal agreement isn't worth the paper it's printed on. Tell them you'll send them a letter/agreement (send two copies). If they sign them and send it back then you'll send a copy of it back with a check/money order. If they don't like that, Ok, but no money. Search this site for "Non Disclosure agreements" or NDAs. It might be easier for everyone to swallow while still getting you what you want.
Congrats on getting them to agree to a PFD. I would not send any money until you get the signed agreement. Its a reasonable request and they know it. BTW- What kind of debt was it?
Apartment lease which was turned over to National Credit Systems ... She said its against regulation n can't send a letter just to take her word n she insisted I talked to the manager for re assurance ... Can collectors agreed in letter or are they at risk of losing they're job or somethin. Dont see y she won't send me one
That's easy. They want your money and don't want to be held to anything after they get it. Now it's time to play hardball (like they are). Right now, you are on the defensive and they know it. You need to turn that around. If you really want to pay it, you should send them a letter that outlines the terms that are acceptible to you. You might need to find a legal aid office to help you put it in "legalese" if you find that difficult. Tell the CA that you'll send them a letter and ask where and to whom you should address it. (They'll just keep telling you to send money so don't go there. Stick to your "where should I send this for signature?" They'll try to trap you into saying you're refusing to pay but don't fall for that either. Just keep asking until you get an answer and then say thank you and hang up. Send them two copies of your letter to sign and wait for them to send it back to you. (don't count on getting any response. They just want your money and don't want to hassle with anything else).
But when I started cleaning my credit up back in June... I owed 6 collections n paid 4 cuz they said they'll delete (this is before I researched pay for delete) but they all were removed within the 30 days, so I wouldn't recommend trusting collectors but sometimes u luck out.
