I am writing because I have never had this much trouble with a company in my life! Weltman, Weinberg & Reis, in Troy Michigan is working for Palisades, Collection, LLC. Yes, I do owe the bill. A bill that was should not have went to collections because I was supposed to have had credit protection. What a joke that was. I paid for 3 years for credit protection if my husband and I were to lose work. I filed for credit protection a year after 9/11. Providian (credit card both Visa, and Mastercard) wouldn't give it to me. At that time my account was still on time. Needless to say I couldn't get anyone to work with me about it so I stopped paying. Palisades took on the account from Providian, and W.W. R Attorney's took me to court. I got them to agree to a payment of $50./month. Then last May they filed a Writ of Garnishment against my checking account. The checking account wasn't even mine. I went to court and fought the battle. The reason they filed was because they said my payments were supposed to be $150./month. HA! I gave my lawyer the letter that THEIR office sent me that clearly states that the payments are $50./month. I NEVER agreed to the $150. They said that I was to pay. Went to court and I won. They had to pay my lawyer fees for their stupidity. I had tried to keep it out of court but their collection lady was rude and wouldn't work with me. That wasn't the first time I had a rude conversation with them.
NOW, today, I have just received another Writ of Garnishment against the same account I STILL don't have. Their reasoning is I defaulted my payment agreement because my payment was not received the date that it was due.in August, I noticed they didn't cash my check until the 20th. (I always thought they'd hold the checks because they never seemed to clear even close to the date they were due.), September comes and it's the 26th and the check still hasn't cleared the bank. The payments are due on and no later than the 14th. I mail the checks out at the beginning of the month. Anyway, I called on Sept. 26, and asked if there was problem with my check because it hadn't cleared the bank yet. The lady said they hadn't received and I said I mailed it out on the 4th. She said they didn't have it. I asked if they could take a payment over the phone or if I had to mail another check out and she said mail out a money order. I said fine, I'll mail out another check tomorrow (post office window closes at 4:30 and it was after 4:30), and DON'T cash this check number # (I gave her the number) because I'm calling the bank right now to put a stop payment on it. Well, I get home and I find a letter from their office. It says exactly
Written on September 21
Please be advised that you have defaulted on the agreed payment terms reached with our office. If this delinquency is not cured immediately, we will be forced to proceed with collection efforts.
Okay, I received this letter on the 26th after I had called them. HMMM, I had already spoken with the gal there and told her I was mailing out the check. Now today, I find this Writ in my mail box. The Writ was signed on October 6th. The checks (I sent one for September and one for October because I didn't want them saying it wasn't mailed in time) had cleared my bank on the 5th. I had called them on the 5th (because my bank hadn't posted those payments until midnight of the 5th) to find out if they had received my payments yet and told them this was the second time my payment isn't getting there in time and I didn't know what was going on because they should have had them by now. The lady at the front desk (who answered) asked me if I knew that they had moved. MOVED I said. She said yes and I said I was never informed that they had moved. I asked her for the address and she told me to contact my representative who conveniently wasn't there. So I left her a voice mail message asking her to call me back. I explained that I needed the new address and that I had never received and my payments were going to the old address. I never heard back from her. Well the next day (6th of Oct.) I was going to call her back since she couldn't return the call and I checked the bank before I did to see if the payment had cleared. They had. So I figured I had a little time to wait for before I needed the address so I didn't call back.
What kind of a company moves and never notifies their payers??? IF FACT the letterhead that was used for the letter notifying me that I defaulted was the SAME address I was mailing payments to. IT was NOT their NEW address. How was i supposed to get payments to them on time if they move and don't tell me??? How was i supposed to know they moved when they are 3 hours away from where i live??? What a rip off. Now I have to go back to court to get this mess taken care of. WHO DO THEY THINK THEY ARE? Not to mention they aren't reporting a single payment to my credit report that I have made for a year!!! Jerks!!!
0 comments