In 2004 I settled a debt of about $900 for $735 with FCNB regarding a Spiegle card I had charged on in 1996. I had gotten into a bit of trouble with money and I wanted to get myself out of it and so I took the settlement. They automatically withdrew the money from my checking account so I had no control over it at all. It was paid in full in April.
Last year I received a call from MCM regarding a sum of about $285 that was left over from the settlement. I told the woman that I had settled the account in 2004 and she proceeded to tell me that the man who settled my account wasn't authorized to settle for that low of an amount (which didn't make sense since the balance wasn't that much higher than $735)... I asked how she knew that he wasn't authorized since she works for a different company. She told me that I would have to prove that the settlement was correct. I told her that SHE would need to prove that the settlement wasn't correct... She became angry and said she didn't have to prove anything. I told her never to call again and quoted the FDCPA but made the mistake of not writing a letter also. That was the last I heard of her and I thought that it had been handled.
MCM is calling again... This time they've gone too far. They have called me at work. I do not have that number listed anywhere so I am fearful of where they were able to obtain that. They also have found my new home number... I am in the process of writing a letter. This time I am making sure that they validate the debt since I made the mistake a year ago to not send a letter. I will also report them to any and all that I can find if they don't comply with the letter.
I had them by the balls a year ago if I had only sent a letter... This time I am making sure I do everything by the books. MCM is a piece of crap company that steals people's money just under the radar...
Is there anything else that I should do regarding this bogus debt?
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