After my lease with Ford Credit, I had over $4k in excess miles and wear and tear (mostly miles). I spoke Ford Credit initially about paying it off. Though we did not arrive at an agreement, I began making payments. Made three so far. No objection from them. A couple days ago, to my surprise, I recieved a collection letter from a law firm. My first thought was estoppel--that Ford received and accepted what I assumed were acceptable monthly payments. Anyone successfully ward off a CA with a good estoppel letter?
How did you arrive at the amount that you would make payments on? Did they make you an "offer", i.e. inform you what was due, and how to pay it?
I arbitrarily just started sending payments. The only docs from them was the invoice for the entire amount. No written agreement with terms of payment. My thought is that Ford accepted not one, but three regular payments without objection. No calls or correspondence objecting to payments; no assertion that they don't waive any rights to the entire amount, etc. I wasn't trying to trick them into an arrangement, but it seems now that they'ev changed their minds and they want more. And now they're using a law firm/CA to lean on me.
