Message 684 of 4195

Collection Agencies

Yesterday, I received a letter from a collection agency. Supposedly, I have a bad debt to pay Vicky's Secret. Right. I never had a Vicky's account. Didn't know there was such an animal.

So, I called the agency. The three women I spoke to said that the numbers on the letter -- account and client reference -- were invalid. Kept insisting I was reading the wrong letters.

Twenty-five years ago, just after my youngest was born, we needed a new car. I received a call from a dealership in the city where my then husband worked. I assumed he had gone there at lunch or on his way home. Made sense. After all, we were looking for a larger car. Thought the salesman asked to speak to me and that husband supplied the number. Logical assumption but incorrect. They wanted some other woman with the same name who had left her LandRover there to be serviced.

What? Who leaves an expensive car to be serviced without a phone number? What sort of dealership doesn't ask for numbers in advance?

That was the opening shot in a war with collection agencies that would last a decade. The calls and letters always involved hospitals where I was never treated, stores I never patronized (often had no idea where they were!). etc.

Finally, a woman who may have been with the FBI called with a long personal story of a missing child support check and getting piles of my mail. Really? She said that she had my embroidery magazine and my TV Guide. Never subscribed to either and told her so. She thanked me politely . . . I suspected she was acting throughout our entire conversation. My suspicion was confirmed when I never received another fraudulent collection notice again.

When I spoke with these women they asked for my SS # and I refused.

They then blamed me for refusing.

I told them to google my name and see the 53 other documented women with the same.

Wonder how long this will go on?
Replies 1 - 10 of 16
I got harassed by a collection agency for a defaulted car loan. When I tried to explain that I had never even heard of the finance company, nor did I ever buy a car like that they continued their harassment for another month. When I finally got them to send something in writing, it turned out that the loan had been defaulted on in a state where I didn't live, and when I was a freshman in high school.
Michibilly's profile

over 2 years ago
My son had to be hospitalized. We have health insurance.
The hospital after getting paid, had a colection agency call my cell phone and tried to get me to pay $2k more then they got.They were un willing to talk to me as my son is an adult. They wanted me to pay though
saying I was respoinsible.
My wife who works health insurance said it is illegal to double bill and it is. So I had to get my daughters boy friend to pretend he was my son say that if they didn't stop double billing we would get a cease and desist order anainst them. This stopped them.
zolofish's profile

over 2 years ago
My husband and step-son have the same first and last names. When my step-son stopped paying his bills, then ran to CA to his mom and declared bankruptcy, all of our bills got held for the bankruptcy proceedings. My step-son has a different middle name and of course his own SS #, but it didn't matter. Every month for almost a year, my husband had to go down to the office that had the records, bring home the copies of their records and straighten out the mess so we could pay our bills. What a pain when people don't do their jobs.
JFKRJK's profile

over 2 years ago
I hope this won't last long for your sake--and you are certainly correct in not giving anybody your SS number or otherwise--good luck--Nancy

over 2 years ago
You all need lawyers. A letter from a lawyer on firm stationary does wonders to deter these people.
pattiwatt's profile

over 2 years ago
pattiwatt -- I think a letter from a lawyer is a good idea. Before I moved, I went to a firm that specializes in bankruptcy, not to declare bankruptcy, but to make certain that all my debts were cleared up. At the time, there was a collection agency after me for a credit card I never had. A call from the attorney fixed it.

I spent 90 minutes with her, ironing out all stray debts. She was willing to charge me for 60 minutes, but I thought she was worth the entire amount, so I paid it. There are just times when an individual can not work by herself/himself to solve problems and a person with specific training, whether it is in mechanics, plumbing or law, is needed.

I had a store charge when I was in my 20s . . . actually, I had two . . . but decided it was too easy to give into the sighs and dreams of wanting things and used cash for years. I also used layaway which, at most, involved a small holding fee, less than $2 or $3 but was, more often, a free service. I don't mind a nominal fee. I do mind interest!

A few years back, I got a debit card so that I could order concert tickets by phone or on-line and to take advantage of sales at catalog companies. The money is money I have, not money I am promising to pay.

I am sorry that all of you, michibilly, zolo, JFKRJK, have had similar problems. Correcting stuff like this is so time consuming and we all have better things to do.

Nancy -- During my long struggle with the collection agencies over some other woman's problems, I got a conference call from two men, claiming to represent Sears. The one that first spoke said, "Give me your social security number." I told him that on the back of the card, the holder is instructed to only his/her employer. They kept insisting and I held my ground, although I was shaking. I called my then brother-in-law, an attorney, immediately after they hung up on me, and he confirmed that I was right.

over 2 years ago
I just write them a letter, and tell them that I'm in the process of filing for bankruptcy. I never hear from them again. The law says that if you're "In the Process" of filing for bankruptcy, they can't dun or harass you. And who knows how long that will take.
Baxtor's profile

over 2 years ago
Also, you don't have to reveal anything about your bankruptcy case to them. Not dates, names, people, lawyers, or squat.
Baxtor's profile

over 2 years ago
One of my brother's had his wages garnished for child support - the deadbeat dad was a guy with the same first and last name, but different middle name and different SS#. Apparently the attorneys and courts don't bother to check their info either. Took him time and money to get the situation corrected and no one ever apologized. Made for one uncomfortable afternoon with his wife when she opened the mail that day...
mshadow22's profile

over 2 years ago
I too recieved a letter from a collection agency and the bill had already been paid in full. It was in my husbands name and there respose was " you should never have married him as he doesnt pay his bills."They are a bunch of no-good people, thay dont even listen to what you have to say. By the way, our credit is very very good and we have been married 59 years. Lots of scammer's out there and wow are they rude. I wrote to Atty Gen. and didnt get very far so dont waste your time friend's. I may call the BBB but why bother?? NO ONE CARES and PEOPLE JUST DONT DO THEIR JOBS RIGHT ANYMORE. I wish we were back in the old days.
purplepie's profile

over 2 years ago
Replies 1 - 10 of 16

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