Just got a letter from Bankone saying that my account is past due and that they have written me and called me but I never reply. I talk to them every two days when they call and tell them the same thing. Just how often do they need to hear from me? I keep a list of all my calls, and it is no exaggeration - it is every two days. I assume that they have a procedure that calls for the computer to spit out letters every so often when the account is behind, but this is jsut stupid.
This "We tried to contact you" line is standard fare in teh collection business, trying to shift some blame to the debtor to put you on the defensive. Most businesses do that, so don't take it personally. If you want to screw with their brains you might demand from them a copy of their incoming telephone log for your account (fat chance they will provide it), but as an ex-collector I know that they have notes of every time you called them. They're just ignoring those calls because they didn't hear what they want to hear.
