I had a really nice phone conversation with my car finance company today. I told the woman that she cannot call me at work because 1) I can't receive personal phone calls at work 2) I don't get to work till 9opm, so there is no way they can reach me here anyway. She told me "I will call you wherever I want" Here's the deal: I am 22 days late. She called me Tuesday and I told her I would be making the payment next Friday. She said that was fine. Apparently she thought I was saying this Friday because she has been calling me all day Friday and Saturday. When I talked to her she denied saying next Fri was OK and says that I said I would be making the payment yesterday. She screamed at me at the top of her lungs, laughed at whatever I said, refused to let me talk....... This company has my cell phone number and my work number. They will not quit calling no matter what I say. I will be making the Dec payment Friday and the Jan payment (due Jan5) the following Friday then I will be caught up. I want to send them a C&D telephone contact letter. Can I cause myself any problems by doing this? After I am caught up I want to put the account on auto-pay so I will not be late any more so they should have no reason to call me anyway. Should I modify the C&D listed in the sample letters? because they reference the FDCPA and that does not apply to an OC.
i would contact her boss. tell them about her behavior and that if it doesn't stop, the next call will be from your lawyer. a lot of people here will tell you to do everything in writing, but for the initial contact i recommend to people to go to that persons supervisor or even the companies human resources department. get them fired. they give lenders like me a bad rap.
