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Posted by Last Dime (216.29.165.114) on March 10, 2003 at 15:09:33:

In Reply to: Re: Sam's Club - they want to repossess goods purchased?? posted by Why Chat on March 09, 2003 at 17:55:38:

First, I want to thank you for your comments in the past to questions I've raised here. I'm not sure I understood your remark about a troll (maybe you were referring to me, I guess), but I want to assure you the incident I mentioned really did happen. As I said, I am not at all sure it was Sam's Club that was involved--it could be garden variety burglars, but I doubt it. (No burglar would pound very loudly on the door and ring the door bell so many times with so many other apartments within earshot.)
I admit I am guessing that it was Sam's Club, but all of the other credit card creditors have called on the phone and for the most part, been fairly cordial. Sam's Club was the ONLY one that NEVER called. They waited about 6 months and then I got a notice from NOC Financial. I read some nasty things about NOC on this board, and started to put two and two together, looked at the credit card application and agreement, and was shocked to see the language about "purchase money security interests."
I live in Ohio. I am not sure what the law is in this state on replevin--you say it is $500-I'll take your word for it. We paid nothing near that amount for any one item at Sam's Club, but our total balance is quite a bit higher than that.
If I ever find out who the goons were working for, I can send them a cease and desist letter, if that would do any good.
Maybe you could at least clarify one thing. Under the federal laws on debt collection, do I understand correctly that no credit collection agency can have someone actually come to your door? In other words, they are limited to phone calls and mail? Thanks for all your good advice in the past.

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