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Advice please on paying off old debt in full
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Posted by Trina (64.12.96.205) on July 11, 2003 at 11:33:02:
Hi everyone, hoping I can get some advice. I live in Ohio. I got a copy of my credit report and saw 3 bad debts on and started calling numbers to pay them off. First 2, called, got addresses and sending out paymnet. HOWEVER, when I called the third here is the story: The debt is on my report twice. Once from the department store that the credit card was from and once from asset acceptance corporation. Original debt was 246.00 from department store...opened in 6/94 last activity 9/96. Date reported 01/92. AAC reports on the cr as last activity 5/98 and reported 02/02. Also when I called he told me that I do not owe 246.00...I owe 450.15. He told me that even after i pay today in full, this will not come off for 7 years and that it will just say paid on the CR. He told me that they have sent letters to me and that they came back to them this winter. Thast is a flat out lie. He had the right address and we run a business at this address. I get gobs of mail everyday and there is no reason why a letter would have been sent back. I started getting pissed at theis ahole whom I called merely to get an address to send payment in full to and iI told him I want to see the envelopes that have return to sender on them...he said we do not have to provide anything of the sort. I said well then I guess I could just say I sent payment and it was returned to me and I don't have to provide proof! He started spouting off about how it is my responsibility to pull a credit report on myself once a year and blah blah blah...I cutt him off and I said "just give me address to send payment to". Dude said, no give me your phone number, I said no give me the address to send payment to and and said no give phone number...etc.... I finally called him a choice name and hung up. Sheesh...I just wanted to send him a check!! Why all the crap?? So, no I have found this board and am reading about statue of limitations and things like that and am wondering if any of that applies here. I know this is a very small debt but what I owed the credit card company with interes was 246.00 and now these buttheads want to make it 450.00 and according to that jerk it will continue to get bigger with 18% interest since they bought it from the department store. UGHHHHH. Is there someone who can deal with these folks for me? Advice would be appreciated.
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