My situation is with NCO - FINANCIAL, I was contacted regarding a debt that is owed to BANK ONE NA. (I am not denying that I don't owe money) However the amount saying owed is 4.75 times larger than my original credit limit of $300 so roughly $1400.
After receiving many phone calls from MS. BELLE at work of all places I agree to pay this debt at a discounted offer of $903 (300 a month for three months) which I has to give a series of check numbers for. I requested over the phone at this time that the agreement be sent to me in writing. She said they had to do so anyway and that I would be receiving it in a few days.
Well... When I got the letter all it stated was that I had agreed to pay was the full balance of $1400 upon receipt. I tried calling several times but to have no one return my calls. So I stop payment on my checks. Of course a few days later MS. BELLE contacted me wondering why I has stopped payment. I explained to her that the letter I had received did not concur with my agreement and I refused to pay it until I had a letter with the correct amount. She then tried to tell me that they couldn't do that she had no explaination as to why, so I told her that I just couldn't pay this, she then hung up on me, only to call back 10 minutes later stating that her supervisor had authorized her to resend the letter with the correct info.
I NEVER received any such letter, she called several times after this always claiming that she had sent it and needed to collect the monies. My last call from her ended in me telling her that I am filing for bankruptcy.
I have since been contacted by a lawyers office regarding this account and have told them the same, however I am disputing the validity as this is 4.75 times higher then my credit limit ever was.
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