In November I obtained a consolidation loan from Citifinacial. One of the accounts I paid off with this loan was an Associates Nat'l Bank Visa. I have a copy of the loan documents which clearly show that ANB was an account that was paid the amount and the whole nine yards...
In June Midland Credit Mgt. Began trying to collect on the same ANB Visa account. I faxed the loan aggreement and the Disclosure statement showing the account paid. I assumed they accepted thier mistake and just went away... No Midland Credit Mgmt. Only began harassing me more, even to the point of threats and name calling. One of thier collection agents called me a "stupid b*tch and an "ingnorant liar".
In December they started sending me collection notices again. Again I faxed them my proof of payment. Now they say that I must produce a copy of the check that my loan company paid the account with or they would turn my account over to thier attorneys and sue me. I could only laugh and tell them to get on it! I would be happy to go to Court just to prove how stupid they were being.
In March an agent from LOVE, BEAL & NIXON, P.C. Contacted me. Again I faxed the proof of payment. I explained the whole history of this wrongful collection. I referred them to Citifinancial (who they never bothered to contact). I cooperated as much and as pleasantly as I could. I contacted Citifinancial who states that it could take a considerable amount of time to "find" a copy of the check but they "will try". I had the District Mgr. For Citifinancial contact the agent from LOVE, BEAL & NIXON. I explained I never had pocession of the check they wanted to see it was paid by a consolidation loan... I stayed in contact with them while Citifinancial took thier time finding a copy of the check (I am still waiting on them!) I have made several calls to keep them posted on the progress.
May 15 LOVE BEAL& NIXON sent a Summons by process server to my place of employment. I was out of town for Mother's Day weekend. When I returned I contacted the City Clerk and informed them when I would be back to work so that I could be "served". LOVE, BEAL & NIXON decided to serve the Summons to my 84 year old Mother who has Alzhiemers. She called me at work hysterical, thinking I was going to jail! THEY KNEW I was living here taking care of her. THEY KNEW of her condition because I had to tell them several times not to call my home during the day and talk to my Mother, LOVE, BEAL and NIXON were threatening to my Mother, devulging my PRIVATE information to her, she called me several times at work crying because she was afraid I was in trouble. I had given them my work number for that very reason!
Once I settled my Mother down and found someone to stay with her I contacted LOVE, BEAL & NIXON's offices and requested the collections dept. Supervisor. I gave him detailed information. Expressed my disatisfaction with his company's manner of doing business. I told him that I would be hiring an Attorney and will gladly go to court and bring my own civil suit against them. He said he would look at my file and call me back. He NEVER DID! I called and left a message, still no return call. I called again and was able to catch him. Now he acts like he doesn't know who the h*l I am and/or what my complaint was. All he would tell me is I have 35 days from the date of service of the summons to file my answer in court, that he could not give me legal advice but that a summons was serious business, that I should know that his company will seek and recieve all fees and payment of the unpaid account plus interest. That the his company and the process server acted within thier rights! THE ACCOUNT WAS PAID IN FULL NOVEMBER!
I will be filing a civil suit against them. I will seek the maximum allowed for harassment, release of confidential information, mental stress, time and monies spent on this issue, anything and everything my attorney feels is allowable.
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