I was contacted by this company on presidents day feb 16 stating that i owed for a bad check written to a now bankrupt ames dept store that was from 2001. When i had asked the lady to mail me proof of debt she said that she couldnt because they mailed me something in january to and address i didnt live at the time. I asked her many times that i needed proof of this documentation and then got really rude and then threatened to see me in court and then hung up. I took this matter to the bank and they didnt have anything on file at that time of the check. Then on wednesday feb 18 she called back again trying to get me to pay this check. I told her that i wasnt trying to get out of paying it if however it was my error could she please send something by mail. Again she refused stating again that they mailed domething in january. When i told her again that my address was different she stated that she could not believe that my relatives dont give me my mail. Well at that point i figured i wasnt getting any where so i got there phone number and information before she hung up again she threatened to see me in court. Now for anyone with problems with this company i suggest doing what i did. I contacted the ftc (1877-382-4357) and told them what happened. He also referred me to there website (ftc. Gov) where i found that within five days of contact they must provide written proof of debt. He also told me to contact my state attorney general regarding this issue. When i recieved all that information i politly called the company back and got that same lady. I told her that i had contacted the ftc and by law she has to sent me out written proof, she then of coarse didnt refuse to mail anything and didnt threaten me again. Near the end of the phone conversation i also told her i would be contacting my state attorney general about how i had been treated. Never once when she contacted me for the first time did i refuse that i owed this, all i wanted was proof because it was the first time i was hearing about it in three years. I also found out that i could sue and i just may because these collectors have to realize that just because we may owe a debt we still do have rights.
0 comments