This company called me January stating they were representing FIA Card Services. The first thing I was asked was "do you have an attorney?" Which I found a bit odd. They stated they would work with me to work out a fair settlement with FIA (Bank of America) but that they would need for me to agree to make a good faith amount agreed upon by me to begin the settlement process. At the time of the phone call I thought I was talking to Fredrick J Hanna as that is the person that called me initially and left a message on my phone.
During the call I asked who I was talking to and was told the person I was talking to was an assistant. I continued to negotiate on an agreeable amount which to begin with was 100.00 to be debited from my bank account monthly for five months until the good faith amount was satisfied. The assistant dismissed himself to discuss the amount with whomever he said it was his superior. He came back to the phone and then began to tell me his superior wanted me to submit the 500.00 all at once which I could not do then subsequently take 300.00 per month until July.
Each time he came back to the phone the amount went up, Finally after several back and forth attemps to settle this and in my defense I was trying to do the right thing, it was agreed upon that 100.00 would be debited on or about Febuary 9.2009 then another 400.00 be debited on the 20th of Febuary. The amount of 100.00 was not debited until the 17th of Feb. And as of today the 27th of Feb. This is putting me in a bind financially as other creditors are debiting my checking account and soon I will not have enough to cover the 400.00. Also after some research I am finding out I did not have to agree to this arrangement. How in the world do I stop these vultures from taking money out of my checking account?
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