In September (5 months ago) we bought a stereo from Car Toys here in Beaverton Oregon. Because Car Toys put thru my check wrong, it bounced. Since the money was coming out of an Equity line of credit, there were always funds available. FOUR months later I get a letter saying that this company Certegy was going to ruin our credit if we didn't pay. I went to my bank first to double check about the funds being there at the time of purchase, and to see if Car Toys ever tried to get the $382.00 out. The answer was yes there was money and no, Car Toys never cashed the check.
So I called Certegy and told them that the bank was willing to write them and prove the money had been there. Certegy said they would put it through again and all would be well. Today I get a 'second notice' saying the same thing. I wanted to find a website and tell them off, but I can't find one. The timing is such that every time I get one of these letters their office is closed.
We have worked too hard to have our credit ruined by these inept people, I don't know what to do from here. How can I stop them from ruining our credit? And why did it take 4 months from the time of purchase to get that first letter? I see red flags from this company all over the place
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