buy would not take my payment, said they had been billing me in error and to disregard the late fee's and the balance on my invoice. She told me to call the CA and pay them. Today, I recieved in the mail an invoice from the CA stating that this was the last time they were contacting me. I could either pay the balance in full for a 20% discount or pay 10% of the balance each month.!!!! it is being reported on my CR as 396.00 and 120 days past due?? 1*Just called and the woman at the CA stated that they could not take derog. info off for payment..that it was against the law. sweetevl --------------->> 1*Haven't you heard CAs lie??????????????? ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
Well...I'm baaack. Just to update, this problem has yet to go away. When i contacted the OC about the problem back in Dec., they gave me the run around and then switched CA's on me. I finally just threw up my hands and settled with the new CA. Funny though, the minute i contacted the OC they restarted my 30/60/90/120 late stuff even though they had turned it over to their internal collections dept. And when I called to infer on my balance with the OC and actually pay it in Dec., they couldnt tell me what it was.(see earlier thread). So to update, Ive been paying on the debt thru the second CA .( i know i shouldnt pay, but I do actually owe this debt and had given up the fight)..but now Ive checked my CR and im not so sure im going to let this go down. Household is the devil, I tell ya. Here's what it looks like today: HB/BESTBUY EXPERIAN Account Name: HB/BESTBUY Account Number: XXXXXXXX1100 Acct Type: Revolving Charge Account Acct Status: Closed Monthly Payment: Date Open: 10/1/2000 Balance: $282.00 Terms: Revolving High Balance: $588.00 Limit: $565.00 Past Due: Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Comments: Credit line closed-grantor request-reported by subscriber 24-Month Payment History Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun 02 02 02 02 02 02 03 03 03 03 03 03 03 03 03 03 03 03 04 04 04 04 04 04 OK OK OK OK 30 60 90 OK OK OK OK OK OK OK OK OK OK 30 60 90 120 OK OK CO ______________ Well..that didnt copy well but the gist of it is, with detail..went late in 11/02 30 12/02 60 1/03 90 I had moved..anyway, then they sent to internal collections and cont'd to bill me as well. I started paying the cA and then the OC was billing me as well with fin. charges/late fees and the like, so I stopped paying the CA and started paying the OC again. They reported me on time from 02/03-11/03, in which i paid them, the OC ,monthly. Then i get this threatening letter from the CA stating that if I dont pay the balance, (which BTW was 200.00 less than my balance according to the OC statement) that they would take action..yadda, yadda..So per the advice of this board, I stop paying the OC and tried to get the deletion for payment route with the CA. That is when I ran into the "what exactly is my balance" problem? (see earlier thread) In December when I questioned the billing practices my lates started again: 12/03-30 01/03-60 02/03-90 03/03-120 04/03-ontime 05/03-ontime 06/03-charge off In March they sent to 2nd CA where i started making payments on the acct cashed on 03/26...that is the month they reported me 120 days out!! Then I continued making payment until this past month, last payment 06/26. That is when they charged it off. When I called the CA to see what was going on they stated that they werent reporting that OC was and when I asked to get a breakdown of when I made my payments, they said they had to find out if my check cleared from the 06/26 payment yet..(which it did). But if they didnt know it cleared, how did the OC and why did I get a CO?? And they are reporting the balance as of yesterday at 282.00, when technically it's 0, per my agreement with CA. All together i have paid 439.00 to them at this point..dont even know if that was my true balance. ok, have I screwed this up beyond help or do i have a next step?? I just feel like this is so unethical, am I just pouting or do I actually have a case here?/ sorry about the novella, folks..it's been awhile and after catching up on the boards again..Im fired up. thanks in advance for any advice..good or bad. -jkc
