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Oh where to begin?
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Posted by need help plz
(12.163.81.6) on October 31, 2002 at 13:21:43:
Hi,
I've read many of the post on this board and reading
all the excellent advice, I thought I would post. I had a VISA citibank card 10-11yrs ago. I got married
and husband (now ex) ran up the card. He said he would
pay the debt. He took it over. Card was still in my
name. I would get a few phone calls from Citibank, but
I would pass them onto my husband. Last Thursday I receive a phone call from a CA (PDI)
stating that I owe $2,010.95. I asked them for what
and they said that they bought my Citiband account.
I advised them that I am a single mother of 2 children,
raising them on my own (exhusband left state and does
not pay child support) and I do not have $2,010.95 to
pay. I asked to be put on a payment arrangement, and
they said sure, $703.50 now and $703.50 next month.
I told them, I do not have $703.50 to pay at all! I
am on a very tight budget and my budget is figured
out until Jan. 2nd. He then said he would contact
my employer Monday morning and have my wages attached.
I called this man on Saturday and said I was trying
to get the money together so please hold off on calling
my employer. In the meantime I found out that you can
not attach wages in PA. I have a friend who has been
helpful and she found out for me about the SOL.
Now, I called Visa to get the last date of the
payment on the card, and they tried and tried to pull
up my account, but they could not, so I called PDI
and asked for something in writing. They faxed me
a typed up letter, heck, anyone could do this letter
on their computer. It has my account number, so I
called Visa back and even spoke to someone in their
recovery department, and they could not pull up that
account. I asked if they sold the account could they
still pull something up, and they said yes. So I call
PDI and advise them of this, well he calls back and
gives me some round around about of course they would
not have this account, they bought it in '97. So I
ask them to please give me the charged off date, the
date they bought the account, and the date of last
activity on this account. I believe it is SOL, but
I can not find out for sure. So, I guess I need to know what I do now? I read about
a letter of validation, should I do that? What is
this process and what will it do for me? I read
about WhyChat's website, but could someone please
give me the website address. Any help/advice will be greatly appreciated!
TIA,
MK
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