Hi, I need to know what can I do about this. I brought a car Jan 03 I have never been late until now. I called the finance company and told them I would not be able to pay until May 21 which would make me 15 days late, they said they would note my account. U know how they asked for reference when u first feel about your credit application, well I put down my reference just like u would do with a job application. Today they called my reference saying they could not get a hold of me when they have my work, home and cell phone numbers. Can they do this? What should I do? Any help would be appreciated. Alicia
read this link of FDCPA they can only call to inquire about your location info, if they already knew it , they I see no just cause for them to use this remedy I would seek legal advise it may be a violation not sure if current loans are considered under a debt collector or not. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
The point is that they know how to contact her-in fact she contacted the finance co. ... but by calling friends they are engaging in a form of harassment
my first question is have they tried to call you? it unfortunately isn't harassment unless they call outside legal times or they discuss your account with them. your best bet is to contact them again and remind them about the previous agreement.
