I recieved a phone call from Camco in Aug,
about a debt Camco claims I owed to a creditor I never heard of. Camco told me that the account had been bought and sold several times so they did not know what the debt was for, if it was for a cash loan, or Visa or Mastercard or a department store. They claimed the ammount was around six thousand dollars due to intrest and late fees, but they would make me a great offer and settle for four hundred dollars.
I told them I disputed this, had no knowledge of any such debt, and wanted proof of this in writing. The person told me they knew without a doubt I had occured this debt because it was my name and social security number. He then in a taunting voice told me you would be suprised at all the information we have collected on you. Told me that he had a copy of a cancled check of the last payment made to this debt, signed my my current husband, sent in 1990, from Houston. I was married to someone else at that time, did not even know of the exsitance of my currant husband. Nor have I ever lived in Houston. He started listing addresses of places that I had lived, stating I lived in Florida untill the year then gave a Houston address, a New York address, and a Dallas address.
I never lived in Houston, but my ex husband does or did, and my currant husband's ex wife have lived in Houston, I have never lived in New York, but my Husbands ex has. He attempted to get my bank information to do a auto draft for the payment of four hundred dollars, which i refused to give him. I again told him I wanted proof of this debt being one that I made in writing. I recieved a letter telling me the history of the debt being sold to three differnt company's but nothing about how I was the one to obtain this debt. During the short time I was in Florida I was not using the name they say the debt is in, there is also several other ladies with the same first and last name as mine.
There was a incident with workman's comp when I was injured at work, where they had my account mixed in with another person who was about 20 years older than I was, so that leads me to belive something simular could be happening again. He didnt want to hear it, just kept saying you owe this debt. He contacted me again after I recieved the letter, i responded to him, that telling me who all bought this debt was not proof that I was the person that made the debt, and I would not pay for something I did not owe. I told him to not call me on the phone again, to only contact me in writing. He then told me he was going to contact Denton County to put a lien on our house. I told him to do what he had to do.
I was contacted again a couple weeks later, a more beligerant stlye this time from him, when i again told him, most of the information he had given me was wrong, so why should I belive him, that this debt was mine, he said because it had my name on it. Oh, yeah when he sent me the letter the statement said I owed three thousand, not the six he first stated, another mistake. I told him again I did not make that debt, and there was to much misinformation given for me to belive in the accuracy of the debt, I was not going to pay. He then said as soon as we hung up the phone he was calling the Denton County sherrif to file charges.
I then told him, he knew as well as I did he couldn't do that on a 15 yr loan, and he couldn't threaten me with it, I would be reporting him, then he denied he said, what had just come out of his mouth, then put me on line to what was supposedly his supervisor, who said he would speak to the person about the misconduct, then started in on me paying the loan in the next 24 hours. They have repeated called me two and three times a week since for over a year now, periodicly using differnt people, sometimes their name comes up on the caller id, sometimes it comes up unknown or private. If I owed this debt I would have paid it long ago, I do not shirk my debts. I am going to try the ciest and decist letter, but don't hold any hope of it ending there.
Phyllis
Carrollton, Texas
U.S.A.
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