(Closed) I think they are trying to get extra money from me! Would you pay?

posted 5 years ago in The Lounge
Post # 3
Member
4441 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

@mrsjjohnson2b:  Don’t even worry about this.  Collection agencies are the worst, they will say (or scream) anything to intimidate you.  If your bank says that the payment was made I would keep that as record, keep records of any previous phone conversations and cut communication with these jerks.  

 

Check your credit score in a few months and make a report if this is still on there.  They are not turning anything over to the sheriff’s departent — this is a civil matter — what would they even do?  Serve you with a fraudulent lawsuit, that is about it.

Post # 5
Member
3689 posts
Sugar bee
  • Wedding: December 2011

I’ll bet the idiots mis-keyed something when they put it in their computer system.  I used to do billing for health insurance, and that was a mistake that happened sometimes.  But we didn’t charge anyone a fee for it.

Post # 6
Member
11234 posts
Sugar Beekeeper
  • Wedding: August 2013

@strawbabies:  This. I would go in there with your information and make them show you the info and PROVE that it was EXACTLY like you gave to them.

Post # 7
Member
13101 posts
Honey Beekeeper
  • Wedding: July 2010

Honestly, I’d just pay the stupid $25 fee.  That little money (in the grand scheme of things) isn’t worth the hassle of trying to prove to them that you shouldn’t owe the fee in the first place.

I’d just pay it and be done with all of this.

Post # 8
Member
2879 posts
Sugar bee
  • Wedding: March 1996

At the very least, I would want to see proof that there was an NSF situation. Them saying it doesn’t make it true. Wouldn’t your bank also be charging you a fee if the payment had been refused? I wouldn’t pay a fee for anything they couldn’t prove.

Post # 10
Member
5969 posts
Bee Keeper
  • Wedding: April 2018

Just verify with your bank that they took the payment, and send that information to them…it’s probably a mistake on their end…

Post # 11
Member
2879 posts
Sugar bee
  • Wedding: March 1996

@mrsjjohnson2b:  The only reason you should have to pay a fee is to reimburse them because THEY had to pay one because of NSF. You shouldn’t have to pay a random fee because there was some kind of confusion for some reason that had nothing to do with you or the correct information you gave them.

 

Post # 13
Member
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

Did the check actually get returned? Did you have insufficient funds? If so, that’s a standard charge amount. It’s the same amount stores charge. I think it’s actually a legally regulated charge amount.

Post # 14
Member
4275 posts
Honey bee
  • Wedding: April 2012

Sounds like a debt buyer. They buy debts from the OC for pennies on the dollar. In return, they get all the rights to old debt plus interest (unless the interest is silent then they can ask for 10% but not more) and any fees. What may or may not happen if you decide not to pay them.

  • They might sue you. This is actually a very common practice for debt buyers. They hope you will not show up. This will grant them a default judgement and they got you for 10 years. This can be renewed.
  • Nothing happens and they sell it to another debt buyer who will start the cycle over again and they might sue you.
  • They will offer you a settlement amount.

What you can do. Is ask for them to validate the debt with return receipt requested. I suggest you do this anyway before paying them a dime and making sure they report your account to the CRAs as being paid in pull. Check out the Statute of Limitations in your state to see how many years they have to sue you based on this account. If you have anymore questions about this, go to creditinfocenter.com and check out their boards. There are a ton of people going through this exact same thing and they can give you great information on how to deal with this.

 

Post # 15
Member
1497 posts
Bumble bee
  • Wedding: June 2013

@mrsjjohnson2b:  So she did fax what was sent to her and it looks like whoever input the info at the firm forgot to change their routing number to my routing number

Wait, this is THEIR mistake? They ought to pay YOU for causing you distress!

ETA: I wonder if they did this on purpose. And how many other people they’ve done this to.

 

Post # 16
Member
4275 posts
Honey bee
  • Wedding: April 2012

@everyheart:  Yes, I also wanted to add that some debt buyers resort to shady business practices.

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