I came into work to a post it note on my computer monitor stating to call "Capital Recoveries" regarding a "legal claim" for a "debt". The note listed a "714" area code phone number and mentioned to contact "Mr Ridick". A case number was also listed.
I called the number and was informed that I was being sued by HSBC for credit card debt from 2006. I did not recall having a credit card with this company, but did remember that I had a car loan through them, which was paid off in full. Mr Ridick explained that I owed $1324 dollars and it had already gone through the legal department and I should be contacted anytime by the LA county attorneys office and also the sheriff to be served with papers.
He then began to read off my whole credit report which he he actually said was good, except for this credit card debt. I then explained I did not know why I had this credit card debt. He was very adiment that it was mine and also stated that I was also going to have to pay the legal fees of Capital Recoveries if it went to civil court.
He said he could recall it from going to the LA county attorney and put a hold on it if I made a payment. He then proceeded to "type" on his computer to put the hold and also to "recall" it going to the sheriff. He then miraculously was able in that instant to lower the amount to $800 dollars if I paid it within 2 days.
I then proceeded to express my dumbfoundedness about the whole thing. I was also wondering how he knew where I worked, since this is a new job I have. (I thought about it... Probably from the credit it report). I stated I never received a statement for any of this. He then read the address he had for me with an apartment number. I explained I do not live in an apartment and that is probably why I never received anything. He even agreed with me.
He left the conversation as he would send me a letter to my email address stating what I owed and when it was due (in 2 days). He also said he was on the "east coast" and he needed to leave the office because it was almost 830pm (530 pm west coast).
What I found interesting... Is he gave me his direct line. Which is the 714 number... Which is on the west coast in orange county.
Also, what bothered me is that he gave some of my personal information to my co-worker that took the message. He told this co-worker that I needed to call them back regarding a legal matter to a debt. My coworker was embarassed for me and felt that he was given too much personal information.
Also, I feel I have at least 30 days to respond to a claim. That I feel this is the first time I am learning about? Not 2 days... Even after their own admission that they did not have my correct address.
Any comments or help would be appreciated.
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