I was contacted by Allied Interstate quite a few times, but never was able to return their phone call within their working hours because of my schedule. I finally switched shifts with someone and got a chance to contact them. They are trying to collect a debt with Visa. After several attempts to work something out with Visa, I guess I got referred to Allied.
Unfortunately, I was without work for 10 months this year. (Note to others, that payment protection stuff that the credit card companies push to you... Think about it!), so I was unable to make consistent payments to Visa.
I finally got to speak to a live person at Allied after waiting for 30 minutes. I used to work in a call center and realize that at certain times calls get backed up. However, I was greeted rather rudely and and was explained the situation in a very "matter of fact" tone. Understandable, though I never treated a caller in this manner, understandable still if the call center is super busy.
I requested documentation of the debt and something sent to me in writing -1) so that I can verify the debt and the creditor and 2) so that I can have the payment coupon to send payment to. I was then laughed at and told that they had sent out letters to me. I have not recieved anything from Allied Interstate.
The last thing I have regarding this matter is my statement from Visa. That's it. I asked to verify my address because I had moved. I told the girl my new address and she said that is what they have on record for me. I again requested that I be sent a letter, collection letter, notice anything and she said they do not have to do that. She said they already sent me letters and that I probably just threw them away thinking that they were junk mail. (?) I open everything I get, junk or not.
How am I supposed to pay it then? She told me she could take payment over the phone. I don't know her from eve to just be giving her my personal financial info and I don't even have an active checking account. I'm so confused. I actually want to get rid of this debt?!
I asked to speak to supervisor and I got cut off. I tried calling again and waited for 45 minutes before my phone died on me. All I want is some type of mailing/documentation. I even filed a complaint with the BBB. I understand that as long as you're in compliance, the law can care less about ethics, but help me to understand this please? I unfortunately also had another credit card in collections with Alliance One.
I recieved all their correspondence, my phone calls were handled professionally and I wasn't treated like scum of the earth. They have a job to do and they do it, without the attitude... Anyway, I digress... How can I get documentation, or whatever from Allied about my debt?
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