I owe a Capital One bill, this i do not dispute, and until today I had almost no problem with Allied Interstate.
Here is my situation
They called me today from an 800# and I didn't answer, so 1 min. Later they call me from a random number and say they are with a law firm and need to speak to me about my account with capital one. I had made arrangements with them earlier, however the payments were way too high, so to avoid bouncing several checks I closed my account. Needless to say this highly pissed them off. (In fact, my representative told me it would have been better if I had let the check bounce)
Anyway, so I told them that I get paid on the 30th, but will not be able to afford a payment then and must wait till the 15th. So the man I was talking to transferred me to his manager.
The manager was hateful from the beginning, I told him I would like to calmly speak with him and that I was trying to pay them, and he said I was lying. Anyway, the manager said that if I could not pay $157.82 on the 30th, They would take legal action and I would be charged for basically what amounted to twice the amount I owe.
I told him there is no way I could pay that much that soon and so he said that he would press legal action and he wishes me good luck.
I was rather confused as to why an unidentified lawyer would have called me and demanded a payment, so I googled the number and upon finding nothing, googled the 800 number that called the first time.
Sure enough it was allied interstate. I called them back and they connected me to my representative, who said that i had just gotten off the phone with her manager (who to my knowledge was a "lawyer"). Anyway, she basically said the same thing, that if I dont pay 157 they will take legal action.
The thing that startles me more though is that she insists I use a debit/credit card or Western Union. No other company will do and they do not take money orders, only quick collects from western union.
Shortly after I got off the phone i googled the company and found 100's of complaints against them. I promised to pay thursday when I get paid, but I have gotten scared that my payment is not gonna go to the right people or isnt gonna be credited accordingly.
I know I messed up by giving them my info which is why I closed my bank account, but I do owe this debt, I am just scared to pay it to them.
Also, the city she wants me to send the money order to is touchdown, florida, not the city they are based out of in florida, i find that strange. These people also rarely ever send me any kind of written acknowledgement of my debt.
Something just doesnt add up and I am confused about what to do. I cant afford to have a garnishment on my check but also cant afford to lose money to a rip off company.
Need a little guidance soon please...
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