The law offices of Kramer & Frank are efecting my life greatly. I got a credit card about a year and a half ago. I used it mostly for things I needed. I was careful on not spending too much. I got my first statement and almost started crying imedietly. I seen a transaction that I know I hadn't made. I called the 800 number it gave me. The lady was somewhat rude. I can understand that customer service isn't always the best of things to do for a job. However she "looked" on her computer and it said that I made this transaction on this day for this much. Funny it was the same amount the one I made last week was at the same store. No way I hadn't ben to that store since the day after and I didn't use it. Nor was it w / me.
The next 2 weeks or so went by and both me and my fionce at the time lost our jobs. The same week I got my second statement. I was now over my limit, and was being charged a bunch of things. Over limit fee late fees even. When I still had 3 weeks to pay it. I called them and told then there was no way I could afford to pay it all but would make efferts to pay it in small amounts. They didn't want that.
At the beginning of 2008 I recived a call from collections. This was Kramer & Frank telling me that y credit card was sent the their office. Again I was with out a job. I had been let go from a temp job and was waiting to get another job. I told him I could set something like $25 or $50 a month to at least start with. He said no that they would only accept $300 starting payment and then could work out a payment plan after that. I told him no way I could do that. He was very rude and uncaring. I even told him I've tried to work it out with the capital one myself. He didn't seem to care what I had to say.
Not even a month later he called again, this time saying that if I didn't pay it would go to court and be settled there and then I'd also have to pay court costs. I said still I can't pay alot $25 to $50 to start with no more. This time he wanted $200 staring out then to make a payment plan. Nothing I even wanted to know it I could get and address where I could send something to. He told me then that they didn't do mail in payments. Only through checks or bank accounts. I didn't want to give him anything like that I know what happends alot of times with them having the bank account number. Myself I didn't have one.
They infact took me to court.in July. But the represnitive wasn't the guy I'd talked to. This was a lady. I agreed to $100 payments starting Sept 1st. I asked her if my balence would go up for Agu. She said no that since I signed the papers in July that it would show that I agreed to it and that would be the amount I owe.
I made my payment. I got the statement back which indicated my balance was now $767.78. Then I read on they infact added interest to my payment. I had someone pay Oct's for me. About half way through this month I received a call. They said they had no received the money. I checked into it and called them back telling them it would be a week or so before I knew anything. I called him on a Thur moring, he said he's give me until Mon to get back to him. That's not enough time.
I later found out the payment was not made like I'd thought. I got a letter in the mail on Mon from Kramer & frank telling me, that since I failed to pay the agreement that they were instructed to obtain the assistence of the Sherrif in enforcing the judgment. This would happen if I didn't get the payment into their office in six days.
When I called to let him know I could not do anything until Fri, he again was very rude and inconsiteret. Since the beginning of the year any time I have talked to them or anything I'm upset and depressed. I lose so much sleep over this. I find this simply unfair. When they contacted me about the payment I had told them I was with out a job. They keep asking for a checking account number. I'm so afriad to even open one for the fear of them getting the information. I've hear of people giving collection agensies the account number then them taking too much out. When I received this letter my heart sank, and tears were uncontrolable. I myself have no money to give. I'd send them something if I had it. I've asked others and I'm not sure how much longer I can ask and them help me. I was reading that it's illegale for them to threaten you with out retaking you to court. I need help on getting the answers I need. And they need to be stopped. Luckily have nothing for them to take but myself. And even that is terrifying.
They need to see that in this time of need other bills and other needs come before they do. That mean food, and a home. So many are losing everything because of them and how they are doing buisness. I intend to take care of the debt I have made. But I find this cruel, and unfair. If they were in my shoes they too would want me to be fair and understanding of them. They need to stop preying on the weak, and lower classes from the. I want my life back, and to know that I can make the payments extended and smaller, or work something else out with out the fear of jail or anything else. Thank you for listening and I hope that this helps someone else not become another victom of the rude cruel Kramer & Frank. I no longer wish to be a statistic for them!!!
0 comments