My husband and & I have been going through very hard financial times for the last 6 months and even though we try to pay our bills, some of them were getting behind. Our American Express card was one of them. After trying to pay them in installments they sent our account to NCO. Then the harassing calls started. Many times a day, on our house phones and cellphones.
Finally, my husband talked to someone that partially agreed to take $200 a month on the 15th of every month to pay off the debt.
The next day another person called asking when were we going to pay it off. My husband very calmy, explained that he had made payment arrangements with "Tony". This other person got very irrate and told him that there was not "Tony" working there and that he (my husband) was lying.
My husband is not a kid, but a grown-up, mature person that does not like to play games and be disrespected. He told this person that he was not going to get into an argument with him because he had already talked to "Tony".
This person kept yelling at him and calling him names until he hung up.
Now, we have been paying $200 a month for the last 4 months on the 15th as agreed.
Today, he got a call from NCO telling him when he was going to make the payment. This is the 11th of April!!! Not even the 15th!!!
When this new person gave my husband the balance... It has gone up $400 more than it did when he started making payments!!!
He asked what was going one and this guy told him that it was interest accumulated.
So, the payments that we have done are not even reflecting on the original balance that we had with American Express, plus they have added new fee.
Can they do that???
I think that we should call American Express and work out a payment plan with them like we had before they sent our account to NCO.
What other recourse do we have? They keep adding "fees" and we won't be able to pay them off ever...
PS We are not trying to get out of paying our bills, we are just asking for a little break.
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