I am seeking advice conserning my capital one card that was sold to Viking Collections Southwest. I had a capital one card that the maximum was $800, I was paying on it a little at a time and I stopped because I became pregnant and could barely afford my Dr. Bills. After I had my son, I desided to tackle this charg-off that was on my credit. I called capital one in January and was told that the account had been charged off and I was refered to viking southwest. Charlyn was the person my account was refered to and she told me that she would talk to Capital One to see what kind of "deal" they could arrange. She told me the only thing they could come up will was payments of $200 (wich was pushing the envelope) and that I had to send 6 post dated checks or else the deal could not go through. She said that I had to overnight the checks.
Being nieve I did so, every so often I would recieve a letter saying they were depositing my check. My payments were going through OK, but I lost my job and was out of a job for a month. I told her that I did not have the money, she kept calling me at work and tried to get me to settle. I was told that one of my checks was deposited and returned. I told her "see, you don't believe me that I dont have the money" she kept harrasing me at work and at home telling me that I needed to find the money. I gave her permison to talk to my mom about my account. My son is now 15 months old and I had to move back into my parents home because the job I had acquired was $2 less than what I was making.
She was harassing me to send 2 more post dated checks and a money order in October for intrest. They are charging me almost 30% intrest a month. I am confused because capital one says that vicking ownes the account and vicking says that they are still working with capital one to collect the debt, that is why they can charge so much interest. My account started at about $1550, but now after paying $800-$1000, they say that I owe $911 more. I am confused and frustrated because I am willing to pay my debt by ME persuing THEM back in January and they refuse to take anything less than $200, but they are charging me $150 in intrest.
When my mother tried to find out what was going on, Charlyn did not let her speak, she harrased her asking her when she was going to pay this off. My mom was just trying to find out information. Earlier when I was talking (arguing) with her at work, I asked to speak to her supervisor and she refused saying that it would not "help anything". I am beyond frustrated because she then proceded to harass my mother for money when I told her that my parents were not going to pay anything. The office staff is so unprofessional and they are trying to "double-dipp" is my belief. I would like to get to the bottom of this and I would like to be treated fairly.
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