Alliance One received my Capital One card for collection.
I made a good faith agreement with Peter January of Alliance One to draw $935 from my account on 4/29/08, with the understanding that if I could not meet that, I would call and he would adjust the amount. I called him on 4/28/08, and told him that I could only authorize a draft of $200. When he wanted to speak about the balance, I explained to him that I was quite concerned and focused on my mother's brain surgery, which was scheduled for the 30th. My concern was that I was not thinking clearly enough about this to make a good decision regarding payments. He agreed to adjust the draw to $200, and said he would call back in a week or so to discuss the remainder.
Imagine my surprise when I checked my bank balance and found that he drew the $935 anyway, which, because I called in to change it, was an unauthorized draft. I now do not have enough money to pay my rent. I have called him several times, have left messages, and have not received a call back.
I made my agreement with him in good faith. He agreed to adjust my draft to $200, which was quite obviously NOT done in good faith
Do Not under any circumstances agree to work with these people if there is the slightest possibility that you will be compromised. Do Not put yourself in the same situation as I did. They do not keep their word.
I would appreciate any suggestions as to what recourse I have.
Thank you.
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