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grrr ..encore has 1 of my accounts..


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Posted by julie (24.24.68.40) on June 10, 2004 at 12:59:44:

the Discover account. He said he has had my acc't since January. Not true cause another CA had it before then. He also said he has sent settlement letters for months to my home address. I said: I have not received 1 from you. He said they would settle for $4,800. If not, then it'll go to court. I said are you aware I was on a hardhsip program and they reneaged on it, when you took this account? I have all my statements as proof of payment and the new contract!
I must have caught him off guard cause he said no, and I guess we see you in court, and hung up.
I know I'm judgement proof so even if they get one, it can sit unpaid. But if I do go to court, what is my defense, since I was paying on it(have proof) and they refused my money? The paper I have on the hardship program states when it began,how much, and how long it was to last. How much clearer can that be? They took me off after only 2payments were made. According to this woman from discover..what your paying isn't enough, so either pay more or its charged off. Why would they agree to what they did in the beginning then?
ugh, I'm so pissed over this whole thing. I tried like hell to keep it from a charge-off by paying when I didn't even really have the money, and it still didn't work.


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