RE: Should I trust them?

RE: Should I trust them? (Full Version)

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barelynangel -> RE: Should I trust them? (11/22/2008 1:49:40 PM)
Whatever OP, you seem to enjoy being the victim and making excuses why a Man shouldn't honor his word of payment and seem to know better than everyone else giving you advice. So good luck, i can guarantee one thing -- if he doesn't pay then it will stay on his report. So you do the math. And if he owes the money he should pay it, or doesn't his own word to pay something mean anything? From what you have said, your Man isn't agreeing to pay this because he owes it and believes paying it is the right thing to do, he is agreeing to pay it because it is negatively effecting him his actually owing it is by the wayside. Integrity works both ways, you can't demand integrity from a company without demanding it of yourself. If you are not paying a debt you agreed to pay because you are playing the neener neener neener game, to me, you are simply playing a game. The point of the matter is this once again your Man has AGREED verbally this time to PAY his debt. Now you are saying since the company won't do what you want -- put something in writing -- you aren't going to pay. This isn't saying the company is saying it won't DO what was agreed to, it simply said it has a recording and won't do it the way you want them too. Therefore YOU do it, if you want it that badly. Your Man will be the one reneging on his word AGAIN if he chooses not to pay this debt. You have no clue if the company will follow through on its word UNTIL your Man follows through on HIS first as he should have to begin with. angel angel

defiantbadgirl -> RE: Should I trust them? (11/22/2008 1:53:55 PM)
quote: ORIGINAL: KatyLied You have got to be kidding. He owes them their money. He entered into a contractural obligation and you can see how seriously he treated it. No, you can see how seriously THEY treated it. 1. He immediately contacted them to make arrangements long before a collection agency was involved. 2. They said there would be no collection agency if he had contacted them and made arrangements. (see #1) 3. The purpose of a collection agency is to attempt to collect debts consumers refuse to pay to the original creditor. He was paying the original creditor every month. If those payments weren't enough, that wasn't his fault because they had an opportunity to name an amount when he contacted them. For a company to turn over an account to a collection agency when a customer is making regular payments is stupid because the resulting ruined credit gives the already paying customer incentive to stop paying.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 2:03:42 PM)
quote: ORIGINAL: barelynangel From what you have said, your Man isn't agreeing to pay this because he owes it and believes paying it is the right thing to do, he is agreeing to pay it because it is negatively effecting him his actually owing it is by the wayside. Then explain to me why HE MADE PAYMENTS EVERY MONTH BEFORE HE EVEN KNEW HE WAS BEING NEGATIVELY AFFECTED? Obviously, because he believed paying them was the right thing to do. Also, you make him sound like some slimeball that never pays his debts. Why then does he have so many POSITIVES on his credit report? Why is this the ONLY negative? Why even with this negative is his score still above a 600?

KatyLied -> RE: Should I trust them? (11/22/2008 2:09:19 PM)
He failed to honor his agreement with the cell phone company. If he failed to pay the full amount due on or before the due date. It doesn't matter if he called and made arrangements to pay whatever amount. He did not live up to the contract and he is the one who should be making this right. I don't understand why you are taking this out on the cell phone company and the collection agency. They are trying to get back the money he owes them, the money he agreed to when he entered into the contract. Why is this the only negative? Perhaps this is the one time he screwed up. That is why there are credit reports, to alert lenders regarding bad risk.

barelynangel -> RE: Should I trust them? (11/22/2008 2:11:11 PM)
No, YOU are making him sound like a slimeball. You stated that he agreed to pay this agency in full, then you also said he would be reneging in his word because the company won't put a recording in writing. You are the one who is saying he owes this money AND is willing to pay it but you are choosing to play a neener neener neener game with the agency and NOT pay the money. I don't care what his credit is like, we are speaking of THIS incident and what YOU are saying. People are telling you what to do and you keep making excuses and saying he isn't going to pay what he owes this company because he is what mad at teh company. You've also admitted the company has a different view of how things went down with him and the company. YOU are the one making him sound like a slimeball and you are upset because people won't jump on your bandwagon of yeah yeah don't pay it, screw this company..... instead people are telling you what to do and YOU are the one saying he isn't going to pay what he verbally agreed too -- NOT because the company is reneging on what they said they would do (as that won't be seen until he actually pays), but because you want the company to do something and they say for them the recording is enough. YOU are choosing NOT to put the agreement in writing also but i guess that doesn't mean much. and instead of simply doing what people are suggesting, you are saying well fuck the company, he just won't pay what he agreed to pay. angel

defiantbadgirl -> RE: Should I trust them? (11/22/2008 2:16:20 PM)
If it didn't matter, the original debtor wouldn't be saying they never would have turned anything over to a collection agency if he had contacted them (which he did). They didn't keep their records straight. And the collection agency can't keep their story straight either. First he made payments every month accourding to them and now he only made three? They are trying to cover their own ass because they know the account shouldn't be with them in the first place. My guess....they probably never looked at the account in depth when they got it. Now they have discovered there was never a refusal to pay.

calamitysandra -> RE: Should I trust them? (11/22/2008 2:26:52 PM)
quote: ORIGINAL: defiantbadgirl Now they have discovered there was never a refusal to pay. Yes, there was a refusal (or inability) to pay. The normal course of things would have been to pay the whole bill right from the get go. At no point did he have the agreement from the company he owes to pay the dept over time. When he entered into the contract with them, he agreed to pay his bill. In full. Immediately.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 2:28:45 PM)
quote: ORIGINAL: barelynangel No, YOU are making him sound like a slimeball. You stated that he agreed to pay this agency in full, then you also said he would be reneging in his word because the company won't put a recording in writing. No, he agreed before we found out they lied to us. We are buying a house and the bank lending us the money was planning to use part of our down payment to pay the collection agency off in return for clearing his credit. The vice president of the bank suggested we have the collection agency fax the pay for delete letter before the payment was sent. The collection agency said it was illegal to fax anything relating to the account. When we talked to the bank 2 days ago and told her this, she said that was untrue that it was perfectly legal. I think a vice president of a bank would know if something is illegal to fax. So we found out they lied about that. Then we found out most of his regular payment history has suddenly disappeared over the last few days. Why can't you see how shiesty this collection agency is?

KatyLied -> RE: Should I trust them? (11/22/2008 2:36:44 PM)
quote: Now they have discovered there was never a refusal to pay. As soon as he stepped outside the contract that was a refusal to pay.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 2:37:34 PM)
quote: ORIGINAL: calamitysandra Yes, there was a refusal (or inability) to pay. The normal course of things would have been to pay the whole bill right from the get go. At no point did he have the agreement from the company he owes to pay the dept over time. Then why is the cell phone company saying they wanted an agreement with him to make partial payments and saying if they had that agreement they never would have contacted a collection agency? They simply lost the record of him contacting them. Company computers do go downfrom time to time. Info is lost. I think you're confusing keeping the phone on with the whole collection agency thing. According to the cell phone company, in order for the phone to remain on he was required to pay in full. But in order to keep it from going to a collection agency, he was required to make payment arrangements. Two different things.

barelynangel -> RE: Should I trust them? (11/22/2008 2:42:16 PM)
Look, i really don't care about the specifics you keep adding them when you believe they are convenient to the excuses you are making. Its ridiculous how you keep adding what this company is doing as you go on, tells me you are simply on here to whine and bitch and are upset becaue people aren't jumping up and down to say down with this company. Funny now all of a sudden a bank is involved and their demands are involved etc etc. I keep hearing words -- and now for the rest of the story. As for this agency, all i have is what you are saying and sorry but it doesn't seem like THEY are doing anything wrong and are simply doing what is best for them and you are stamping your foot because its not an easy fix. Did it ever occur to you that writing the agreement out and sending it to the agency, HOLDING UP YOUR END OF THE BARGAIN, would lend more credit to what you are saying is true because all the Bank has is a negative credit rating that you STILL are not paying off. PAPERWORK MATTERS!!!! I mean well hell why doesn't the bank just believe you as you want them too, why doesn't this credit agency just believe you and everything the initial bad company did. I mean you and your Man aren't like the 290121038210329103 other people these companies probably have to deal with who have the same sob story you do. If you want results YOU have to be willing to follow through on what you agree too and then if the agreement isn't done on the part of the company have the paperwork to fight it. This company has their rules and policies. You don't want to deal with them anymore PAY THE DAMN BILL!!! Geesh its really THAT simple. Perhaps you are determined to make this agency BAD because it won't do what you want it too. Well, people in hell want ice water and they don't get it. There is another option if you feel you are in the right -- GET A LAWYER, if you feel what this company is doing is wrong and that your side of the story would win if put to the test. Since you keep wanting to add bits and pieces to this story to people who were trying to advise you in how to cover your ass, and you simply want people to make you feel better saying how awful this company is and instead is saying DUH your Man should PAY HIS BILL, good luck. All i can tell, whining won't get you anywhere.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 2:48:11 PM)
The president of the bank we're getting our home loan from knows the whole story. She has seen my Sir's credit report and doesn't think he's irresponsible. She thinks this should be removed from his credit....that it shouldn't have been put on there in the first place. In fact, she suggested putting the money toward paying off the balance on one of his credit cards instead since "there's no point in paying it if it won't help his credit."

barelynangel -> RE: Should I trust them? (11/22/2008 2:51:53 PM)
Yeah that benefits his integrity, ohhh don't pay your debts because it won't benefit you. Sorry, but that's how what you are saying comes across. The point of the matter is this -- your Man owes this money no matter what occured afterwards, he agreed to pay. You want people to see him with integrity, when his girl is pretty much saying he is going to not honor his word to this company from what you have said AGREED TO THE DELETION IF HE PAID. YOU stated it was agreed to. And now, YOU ARE RENEGING NOT THIS COMPANY. You don't know if they won't honor the agreement because you aren't giving them a chance too because you aren't going to pay. So yeah, to me, YOU ARE AT FAULT, not the company. Their only crime is not puting a recording in writing because you want them too, from what you hvae said THEY AGREED if you pay, they will do A, B, C. Now who is not keeping their word? At this moment, who is not keeping their word? You -- this company cannot keep their part of the agreement until YOU PAY.

calamitysandra -> RE: Should I trust them? (11/22/2008 2:55:42 PM)
quote: ORIGINAL: defiantbadgirl Then why is the cell phone company saying they wanted an agreement with him to make partial payments and saying if they had that agreement they never would have contacted a collection agency? They simply lost the record of him contacting them. Company computers do go downfrom time to time. Info is lost. I think you're confusing keeping the phone on with the whole collection agency thing. According to the cell phone company, in order for the phone to remain on he was required to pay in full. But in order to keep it from going to a collection agency, he was required to make payment arrangements. Two different things. Nope, I am not confusing this. The contract required him to pay in full. He defaulted. End of story. Now, if the company would have accepted partial payments that would have been nice for him. He would have still broken the contract, but they would have accommodated him. But, he has had no right to that accommodation. So, now bitching that the company blundered in giving his debt over to a collection agency is not warranted. They had every right to do that as soon as he did not pay in full. Yes, it is bad luck that he might have been able to have an easier way of dealing, if the company would have been on the ball, but, as he had no right to that, he will just have to deal. It boils down to the fact that he made the debt. He had no right whatsoever to concessions by his debtors. Bitching that he did not get to get accommodations he had no right to in the first place is not going to help you.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 3:04:01 PM)
So basically, the collection agency can lie all they want and they're still right. Not everyone pays everything in full all the time. For example, I have a doctor bill I'm making payments on. As long as I send them a payment every month, my account is in good standing and doesn't get turned over to a collection agency. It would only go to a collection agency if I didn't make payments. That's the way it's supposed to work. Collection agencies are for people who are refusing to pay. This is what I refer to when I say the whole collection agency thing is being confused with keeping his phone on. If a customer can't pay in full, their phone gets shut off. If a customer refuses to make payments, only then is a collection agency supposed to be involved. Two different things.

camille65 -> RE: Should I trust them? (11/22/2008 3:08:53 PM)
Not always. Sometimes bills are turned over because the agreed payment is not being made, because just a partial payment is being made. Your guy reneged on his agreement to pay the bill because he was confused over his phone plan. That is not the fault of the cell phone company nor the fault of the collection agency. You posted about this same problem awhile ago and I'm kind of surprised it still hasn't been paid off and that you don't understand why its continuing. All I can suggest is documenting everything, every name that is spoken with including dates. Pay off the bill since you say you have the money.

AAkasha -> RE: Should I trust them? (11/22/2008 3:09:49 PM)
quote: ORIGINAL: defiantbadgirl The president of the bank we're getting our home loan from knows the whole story. She has seen my Sir's credit report and doesn't think he's irresponsible. She thinks this should be removed from his credit....that it shouldn't have been put on there in the first place. In fact, she suggested putting the money toward paying off the balance on one of his credit cards instead since "there's no point in paying it if it won't help his credit." Uhh..how about paying because you OWE THE MONEY? Folks, this is one of the reasons our economy is in the toilet. People who should not be using credit cards or credit because they don't understand anything about money and think credit equals money that is just given to them to use as they see fit and go "oops, sorry" when they can't balance their way out of a trash can. Shame on the idiots who are even considering giving this tandem a home loan. Akasha

defiantbadgirl -> RE: Should I trust them? (11/22/2008 3:14:09 PM)
If he had no right to accommidation, then I guess that means I have no right to it either with my doctor bill. I guess that means nobody has any right to make payments on anything except a credit card bill. If that were true, the entire population would have bad credit. I think the phone company and collection agency are assholes, my Sir thinks their assholes, the president of our bank thinks badly of them....obviously there is something wrong with them. What I want to know is how to get this shit off his credit when it never should have been put there in the first place.

barelynangel -> RE: Should I trust them? (11/22/2008 3:15:23 PM)
Well hell, perhaps PAYING THE BILL may be a start. But i guess that's too logical.

defiantbadgirl -> RE: Should I trust them? (11/22/2008 3:18:23 PM)
quote: ORIGINAL: AAkasha quote: ORIGINAL: defiantbadgirl The president of the bank we're getting our home loan from knows the whole story. She has seen my Sir's credit report and doesn't think he's irresponsible. She thinks this should be removed from his credit....that it shouldn't have been put on there in the first place. In fact, she suggested putting the money toward paying off the balance on one of his credit cards instead since "there's no point in paying it if it won't help his credit." Uhh..how about paying because you OWE THE MONEY? Folks, this is one of the reasons our economy is in the toilet. People who should not be using credit cards or credit because they don't understand anything about money and think credit equals money that is just given to them to use as they see fit and go "oops, sorry" when they can't balance their way out of a trash can. Shame on the idiots who are even considering giving this tandem a home loan. Akasha Whatever. I hope the same thing happens to you several times over.

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