Help with a credit agency!?
About a year ago I enrolled into PDCI and two days later after I enrolled I cancelled my my account. Today a credit agency called me and told me that I need to pay them $600+. I told her that I refuse to pay that amount with them. She then tells me that I have to pay or they will take me to court. I was pissed at that point. She tells me that I was in an agreement with them. I never signed any paper work. I paid 35 sum dollars to be enrolled and she said that , that was my agreement. By allowing then to take out the money I agreed to their term and conditions. They (PCDI) failed to tell me this part. What do I do????? Please help!!!!!!! thank you inadvance.
Public Comments
- They won't take you to court over such a small amount. But just put down your story ina professional letter and send it to them. State that you won't be giving them any money and you don't want them bothering you anymore. If you continue to get harassed by them after that go to the press or a complaints board with it. Reach for the stars.
- Ask her to show you (copies)in writing where you allowed any of this to happen. Say you never allowed $35 to be withdrawn for this amount either and demand that they give your $35 back! Say that allowing $35 to be withdrawn is not consent or your signature on a legal agreement. They may not take you to court, but they will put a negative remark on your credit report. Do not say you do not want to be bothered... make this into a dispute and never admit anything... instead blame them for fraud. They have a right to call you to pay for a due amount. You need to ask for and request any document that had your consent via signature anywhere! Mail everything by certified mail and keep copies of all receipts, etc.
- You might want to clarify who called you. A credit agency or collection agency? I assume you are talking about a collection agency, in which case you are not required to talk to them. If the company that called you is not the same company that you made the agreement with you have no obligation to talk to them. Also, If you agreed to pay $35 to enroll and cancelled two days later, you should only be responsible for that enrollment fee. If they are telling you that you owe more, request they send you a detailed statement showing a breakdown of all the charges. YOU DO NOT HAVE TO PAY COLLECTION AGENCY FEES! These fees are agreed upon by the company you owe money to and the collection agency and really has nothing to do with you. You made no agreement with either of them to pay extra fees like this.
- You might want to help us a little with what PDCI or PCDI, ( you use both) is. I put it into Yahoo and got everything from a ton of schools to the Party of Italian Communists. From context I think you are talking about a Credit Management Service. If that is the case, then you need to look at what creditors agreed to the credit management service's offers. Creditors of all kinds DO NOT have to agree to work with a Credit Management Service. You cannot force them to agree, and if they do not you are stuck with them. Call PDCI/PCDI anyway...they might be able to help. As to an agreement, when you paid the $35, you probably did agree to some terms. This is perfectly legal (in the US) and a lot of companies do it. It is a situation where in they will have a statement that says "By paying the fee, you agree to these terms and conditions". You do it all the time without even knowing it....like when you buy a ticket to an amusement park....or even a movie ticket at some theaters. Tricky, but legal. So, honestly you probably really do owe them some money...legally. Also, wiggling out is not easy and will damage your credit score. SO, you may want to consider a payment plan...almost everyone offers it. OR you can try to settle...offer them $200 now to cover the whole amount...then $250 a few days later....then $300....and so on up to maybe $400. Beyond that and they will want it all. Warning: MASSIVE DAMAGE TO YOUR CREDIT SCORE. NOW...if you can't do that...or don't want to...you have options still. Before you look at them, bear in mind that there is nothing "Fair" in your dealings with them. They do not give one teeny, tiny bit about what is "Fair". If you go into this thinking you will find something "Fair" you are setting yourself up for a lot of pain. Legal is not always Fair...and that is what you are stuck with. If you really want to fight it do this: One: Know your terminology...you were not contacted by a "Credit Agency" you were contacted by a "Collection agency". That is important to know. Two: Tell the "Collection Agency" that they are to conduct all business with you by mail and not call you...ever...unless you ask them to. You can still call them, but they have to send letters to you. SAVE EVERY SCRAP OF PAPER THEY SEND....even if it looks like a duplicate of something else...or worthless...SAVE IT ALL! Three: Contact the people that say you owe them money. Find out why. Find out how much they think you owe. Make them send you a copy of the agreement they say you agreed to. Make them explain how this agreement makes them think you owe them the money they say you owe. Make them explain why you are being contacted by a collection agency. Make them document when they tried to contact you before you were turned over to a collection agency. If they say they don't have to...make them send that in writing...on paper...not email. Four: Everything documented. If you talk to anyone, write down who you talked to, what company they work for, what you talked about. Make them note your account. Make them send all offers they make to you in writing. Make all the propositions you want over the phone, but do not agree to anything over the phone, only in writing. Save copies of everything. Five: Once you have all of this...and you find out you still owe money...then you are right back to square one. Pay them, settle with them, or see a lawyer. But a lawyer is going to cost a lot more than $600. So why do it? You can get a better deal....or you may even get them to cancel some or even all of your debit. Like I said, legally you probably owe them something...but maybe far less than $600 Make them account for every single penny...in writing. You only owe what they can PROVE you owe. Hope this helped and good luck!
* Some answers may have been provided by Yahoo! Answers.