Posted on
July 17, 2008
at
8:06 pm
My husband writes a check for same amount and sends it off at the same time every month and still for three days before the deadline we get calls? Why? We can only afford to pay so much and our situation hasn't changed. We've been very good about at least making regular payments even if it is hte minimum. Doesn't this qualify as harassment? My husband isn't bothered by the calls but I am.
Posted on
July 19, 2008
at
12:36 pm
Sandalwood seems to be the guru of what is and is not harassment. From what I understand ( learned here), you have to send a cease and desist demand before anything constitutes harassment ( via certified mail). I sent cease and desists but was too cheap to pay for certified so my calls continued. After I finally sent certified demands the calls reduced dramatically. Of course, now the letters threatening to sue me have started. It's a trade off.
Posted on
July 20, 2008
at
12:05 pm
Thanks for the info. It's to the point now where if we see who's on caller id we just don't answer. They leave a message saying it's ugent and my husband calls back a the agreed upon time of the month, pays the agreed upon amount at the agreed upon time of the the month. I guess I'm wondering why when this hasn't changed do they persist in wanting more than we can afford earlier than we can afford to give it. We've been really good about regular payments.
Posted on
March 27, 2009
at
5:10 pm
@ Carolt... Does your husband have this set up for them to give you a courtesy call each month prior to the payment? Many times I had it set up where the debtor asked for a courtesy reminder and I would do so. However, I could not leave a detailed message on the answering machine as to what I wanted - I could only ask for them to return my call. Advice - call them back as ask what they need (be nice!). Let them know you do not care to have a call until a certain amount of days after payment is due if it not recieved in their office.
Posted on
March 27, 2009
at
7:57 pm
If you're paying by check, there is the possibility that your payment was lost in the mail or simply delayed while clearing your bank. That would mean the money was not applied to your account until the check cleared.
Posted on
March 30, 2009
at
6:31 am
In my opinion, thats harassing as you are paying regularly the minimum amount and they are still calling you before the deadline date. You should tell your husband to talk to the debt collector and tell them that they don't need to call you as much as they do.
pinl Rep Points:
1,610
Posted on
March 31, 2009
at
7:11 am
As per my understanding of the matter, before you can call it as harrasment and taking action against it legally you should start collecting some evidence which will show their behaviour. In your case you can trace their phone number and check wether the phone number is the actual registered number they have. If so then make a file of your phone statements which you can use in future against them.
Posted on
April 1, 2009
at
7:50 am
probably it's because they have a problem in updating their system...your payments still were not encoded in the computer...i know what you mean....it's really a big nuisance...you know you're paying on time but they still keep calling you...usually those that call you are callcenter agents...their job is too look at data in the computer..if they see that you haven't paid...they'll call you....so the problem lies in the encoding...
Posted on
April 1, 2009
at
11:37 am
call them up and talk to them...xplain tht u feel irritated by these calls and that it also harms their reputation
Posted on
April 1, 2009
at
11:58 am
I have been getting a lot of debt collectors calling me as well. They will call over and over and over again, really early in the morning. I have a job during the day where I cannot drop what I am doing to answer my phone. I also need to sleep! It is really bothersome, especially when my phone company does it.
