Today I received a letter from CAMCO stating that I owed over $10,000 on a previous debt from 18 years ago. ($6,000 being interest of 8%). It was beyond belief. I owe nothing! I promptly called the company and talked to a nice enough woman about the situation and was finally transfered to a Tyrone Davis.
Mr. Davis contradicted some of the things that the previous person had told me, but he had all the information of my previous addresses, and also my social security number. He only had my last name wrong. (It was a previous name).
He told me that he would ask for authorization to lower the amount to $1,138.39. I kept telling him that I do not owe anything. He had me in tears! He told me that he is the "adjuster" and that the letter that I would write to dispute would go to him and that he would be making the decision if the debt. Would be pursued or closed. He told me that the current President (Bush) signed into law the fact that they could go after "dead accounts" if that account was still being charged interest. He said I had a Master Card from a "Colonial" Company. He also told me that some of the things he was telling me he would deny he ever saif if I told anyone.
I told him that I have good credit. That I went through a divorce and that all debts were paid years ago. That I have a good credit report, and do not owe this debt.
Mr. Davis told me that because the debt. Was $10,000 that he knew that "they" would not drop it. That he would be putting it on my credit report. He also told me that statements were being sent to previous addresses every 2 months. I told him that, that was not true... And called my ex later to verify it. He told me that the Post Office guaranteed that a credit card was sent to a previous address of mine 18 years ago, and that, that is proof that the debt is mine. He also said that the statements (that I said I never got) looked like "Pre-approved" credit card correspondence. When upon opening the statement I was offered a credit card with the existing debt of over $10,000 as a balance on it... And was prompted to pay off that debt.
This is insane! I do not owe this. Thank you to everyone and to this site. I have already emailed the BBB in Rockford, IL. I will also contact all the other organizations and persons that are referred to at this site. I was so totally blown out of the water and upset over this... I definetly want to join a lawsuit against these people. They totally got to me on this one!
Deborah
San Diego, California
U.S.A.
0 comments