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RE: Should I trust them? - 11/22/2008 3:21:00 PM

calamitysandra

Posts: 1682
Joined: 3/17/2006
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quote:

ORIGINAL: defiantbadgirl

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.

Nope, you have the right to make payments over time to pay of a bill.
But only if it is agreed on before.
After you have already defaulted, then no, you have no right to that accommodation, and if somebody is willing to make concessions, you are lucky.

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Post #: 61

RE: Should I trust them? - 11/22/2008 3:29:39 PM

Crush

Posts: 1031
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At this point, I'd suggest you just get a lawyer to take care of it for you instead of people on a message board who can truly screw you into the ground with their opinions or good intentions.

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Post #: 62

RE: Should I trust them? - 11/22/2008 4:01:25 PM

defiantbadgirl

Posts: 2988
Joined: 11/14/2005
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quote:

ORIGINAL: Crush

At this point, I'd suggest you just get a lawyer to take care of it for you instead of people on a message board who can truly screw you into the ground with their opinions or good intentions.

I may have to. I think a few had good intentions, but others proved themselves to be hypocrites. Here's why......thread after thread post after post liars are flamed. In this case, they are sticking up for the liars and flaming the honest. The phone company was dishonest in saying they were never contacted. We were lied to about a fax being illegal. Now payments they had a record of (and we still do) are suddenly disappearing. These companies are liars. They are dishonest. Yet some of the same people on here that usually flame liars are sticking up for these lying companies. I guess it's perfectly fine for companies to lie, just not individuals. After all, this is a country for the corporations and not for the people!! That's the reason for the mess this country is in.

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Post #: 63

RE: Should I trust them? - 11/22/2008 4:10:52 PM

AAkasha

Posts: 4429
Joined: 11/27/2004
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quote:

ORIGINAL: defiantbadgirl

quote:

ORIGINAL: Crush

At this point, I'd suggest you just get a lawyer to take care of it for you instead of people on a message board who can truly screw you into the ground with their opinions or good intentions.

I may have to. I think a few had good intentions, but others proved themselves to be hypocrites. Here's why......thread after thread post after post liars are flamed. In this case, they are sticking up for the liars and flaming the honest. The phone company was dishonest in saying they were never contacted. We were lied to about a fax being illegal. Now payments they had a record of (and we still do) are suddenly disappearing. These companies are liars. They are dishonest. Yet some of the same people on here that usually flame liars are sticking up for these lying companies. I guess it's perfectly fine for companies to lie, just not individuals. After all, this is a country for the corporations and not for the people!! That's the reason for the mess this country is in.

So if people are dishonest, cheats and liars you have a right to be too? Brilliant!

Akasha

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Post #: 64

RE: Should I trust them? - 11/22/2008 4:29:24 PM

barelynangel

Posts: 6233
Status: offline

chuckles, well when the PEOPLE OWE MONEY to the corporations, and people decide not to pay out of spite, its kinda hard to have sympathy for the people who are trying to wheedle out of paying a debt they owe and admit they owe and who have admittedly gone into an ADDITIONAL agreement with another company and now is using excuses to renege on paying their debt with this new agency as you stated you did and the agreement was recorded. You made a verbal agreement with this agency. You admit you owe the money and suddenly you aren't going to pay. Sorry, you get no sympathy from me. If you weren't going to pay you should have never agreed to do so with this agency. So based on this, its really hard to see you as the "honest" one here.

Seems to me, you need to really figure out who is dishonest here, it may be you, it may be the company, or big surprise it may be you both.

< Message edited by barelynangel -- 11/22/2008 4:30:14 PM >

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Post #: 65

RE: Should I trust them? - 11/22/2008 4:34:26 PM

defiantbadgirl

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No, you insulted our bank for trusting us over two dishonest companies. Look at it from the bank's point of view. A few minutes after they told us about the collection on Sir's credit, they were talking directly to the cell phone outlet where Sir had made his payments and were told the truth...that he had been paying on the bill every month the entire time. Then the bank president who has been waiting for their fax before she sends off the payment finds out they are claiming sending her a fax is illegal.....which she knows is an outright lie. How do you figure she's making a bad decision trusting two honest people over two lying companies? And then you want to say that's what's wrong with the country's economy? No, what's wrong is this country is for the corporations and companies instead of for the people because of people that think lying companies are always right and honest people are wrong.

_____________________________

Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.

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Post #: 66

RE: Should I trust them? - 11/22/2008 4:39:01 PM

defiantbadgirl

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That agreement was made BEFORE I FOUND OUT THEY SUDDENLY LOST RECORD OF OVER HALF HIS PAYMENTS and BEFORE I FOUND OUT THEY WERE LYING ABOUT THE FAX. Are you saying barelynangel that if you prevously made an agreement with someone and you caught them lying to you that you wouldn't back out? What if a sub agrees to belong to a Dom based on his lie of being single and later finds out he's married? She agreed to it so she's honor bound to continue with it right?

< Message edited by defiantbadgirl -- 11/22/2008 4:50:50 PM >

_____________________________

Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.

Collared by MartinSpankalot May 13 2008

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Post #: 67

RE: Should I trust them? - 11/22/2008 4:48:20 PM

hopelessfool

Posts: 988
Joined: 7/29/2005
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dbf it depends on the collection agencies and orginal companies, SOME are slime (like the fuckers at brandywine hospital) some are not.. They arent going to believe a word you say even if your god, EVEN with DOCUMENTATION barenlyangel. Pretty much you have two choices either get a lawyer, or pay it and hope it works.

Documentation doesnt work with all agencies. For example if someone at a company or org lets say Brandywine hosptial gets paid. Sends the debt thats paid in full or nearly in full ( It still needs a small balance adjustment or a self pay discount adjustment) to a collection agency they wont believe you when you say you paid in full, even when you send in the check copy it being withdrawn from your account, the note from the billing office in brandywine saying its paid. Their medical program (meditech) Showed the account was at a zero balance it also showed it was not a zero balance wrote off to bad debt or sent to an agency. it shows that the responsiblity to the company is such and ammount and that the person paid it. What happenes with the agency is they bought it They want their money they will tell you the sky is purple and the grass is blue as long as they get you the money. Even if its not owed. And its happened to about 600 people who have accounts with the hosptial.

As for people going the company is bad or your Sir is bad ... EVERYone involved is in the wrong. Your Sir for signing his name with out fully reading and asking what hes signing, the company for not working with its customers, and the collection agency for well being a collection agency

Edits added in italics to clarify some points.

< Message edited by hopelessfool -- 11/22/2008 4:52:55 PM >

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Post #: 68

RE: Should I trust them? - 11/22/2008 4:49:47 PM

barelynangel

Posts: 6233
Status: offline

Look, the way you are posting your whole story is full of holes and hsa all these little bits and pieces of information. Your own Bank who you seem to think believed you, didn't believe you, they verified everything you told them -- so sorry they did not do what you want us to do and just believe you outright. No one is really saying ANYTHING about the companies, what most people are saying which you are refusing to hear is PAY WHAT YOU OWE. THAT is all people are saying. You are the one bringing all these excuses into it and making t about the companies.

I think you need to go back and read what people are saying which has NOTHING to do with the companies -- IF YOU OWE THE MONEY PAY IT. I have stated to you what to do wih this company you are having issues with, with regard to this agreement. You are the one who seems to not be listening or wanting the advice. You just want to whine about how these companies god forbid want you to pay what you agreed to pay them. Damn the bloody companies. You do realize that these companies have bills to pay also and people who work for them.

YOU HAVING PROOF OF THE PAYMENTS COULD HAVE EASILY FAXED OR MAILED TO THEM TO THE COMPANY TO SHOW THEM THAT THEIR INFORMATION IS INCORRECT THEREBY MAKING YOUR PAST PAYMENT ISSUE MOOT. WHY YOU HAVEN'T INSTEAD OF WHINING MAKES NO SENSE UNLESS YOU REALLY DON'T HAVE THE PROOF YOU PAID AS YOU SAID YOU HAVE. JUST AN FYI, any court you take this too will demand proof of payment will want proof you sent this proof of payment to the company who is disputing you paid. If the company says, your honor we never received these and would have A, B, or C, if we had, your case will be probably thrown out and you will be hit with court fees. Being proactive cannot hurt you. Your refusal to tells me you are simply not willing to help yourself. BUT i can tell you this -- making an agreement with this company to pay and then not following through WILL hurt you and only you, after all this company has nothing to lose its already not being paid.

Seems to me you simply enjoy whining about the big mean companies. Hell the companies are run by people, big companies have only their records to rely on, IF an error occured that YOU CAN EASILY SHOW IS AN ERROR, why the heck wouldn't you do so?

angel

PS and if you think getting a wrong credit rating off of your report is hard, try a judgment and garnishing of your wages. Sorry but -- "Your honor, this company was mean to me and a liar" isn't a defense that usually works on judges who hear sob story after sob story from people who refuse to pay a company. Which is why i have been trying to tell you COVER YOUR ASS with letters and writing and payments etc.

< Message edited by barelynangel -- 11/22/2008 5:00:00 PM >

_____________________________

What lies behind us and what lies before us are tiny matters compared to what lies within us.
R.W. Emerson

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Post #: 69

RE: Should I trust them? - 11/22/2008 5:06:38 PM

defiantbadgirl

Posts: 2988
Joined: 11/14/2005
Status: offline

"PAY WHAT YOU OWE" I keep hearing. Pay it for the right reason, because it's the right thing to do. He was already doing that and had been all along. Then he found out doing he right thing did no good because they screwed his credit. Now all he wants to do is finish paying them once his credit is restored. He had been paying them for the right reason because it was the right thing to do for the past 8 months. They were the ones who changed all that by involving the collection agency, Sir wasn't.

_____________________________

Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.

Collared by MartinSpankalot May 13 2008

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Post #: 70

RE: Should I trust them? - 11/22/2008 5:24:07 PM

defiantbadgirl

Posts: 2988
Joined: 11/14/2005
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We plan to get his payment history straightened out if we pay them at all....and that depends on a 100% guarantee of restoring Sir's credit. He paid them for the right reason the entire time and for what....just so they could ruin his credit the same way they ruin someone's credit that never paid them at all. Kinda reminds me of someone caught pissing outside being convicted of indecent exposure and being forced to register as a sex offender. They're all grouped together.

_____________________________

Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.

Collared by MartinSpankalot May 13 2008

(in reply to defiantbadgirl)

Post #: 71

RE: Should I trust them? - 11/22/2008 5:24:43 PM

camille65

Posts: 5746
Joined: 7/11/2007
From: Austin Texas
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His credit will not be restored until he pays what he owes.

It really is that simple.

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Post #: 72

RE: Should I trust them? - 11/22/2008 5:32:11 PM

defiantbadgirl

Posts: 2988
Joined: 11/14/2005
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But if his credit isn't restored after he pays, what is the point in paying? Getting an item marked as a "paid collection" will do no good. Nothing short of a complete deletion will fix things. And for whatever reason, the collection agency that wants the money so bad refuses to send the agreement in writing. I'm not saying they should delete the item from his credit before the money is sent. I'm saying we need a promise this will be done on receipt of the money. They send the written promise to us, but don't actually delete the item until they get the money.

_____________________________

Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.

Collared by MartinSpankalot May 13 2008

(in reply to camille65)

Post #: 73

RE: Should I trust them? - 11/22/2008 5:48:52 PM

camille65

Posts: 5746
Joined: 7/11/2007
From: Austin Texas
Status: offline

quote:

ORIGINAL: defiantbadgirl

But if his credit isn't restored after he pays, what is the point in paying? Because he owes the money. Getting an item marked as a "paid collection" will do no good. Nothing short of a complete deletion will fix things. And for whatever reason, they want the money because he owes the money the collection agency that wants the money so bad refuses to send the agreement in writing. I'm not saying they should delete the item all you are saying is that you want some validation for the debt being ignored from his credit before the money is sent. I'm saying we need a promise this will be done on receipt of the money he made a promise to pay his bill when he signed the agreement with the cell phone company. They send the written promise to us, but don't actually delete the item until they get the money. Of course they won't do anything until he pays, because he owes the money!
You say that you have the money, so either pay the bill or hire an attorney (and get a whole new bill that will have to be paid).
Part of being an adult is paying what you owe, to read things before you sign them and to NOT sign for things that can't be paid for.

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Post #: 74

RE: Should I trust them? - 11/22/2008 7:59:54 PM

KatyLied

Posts: 13029
Joined: 2/24/2005
From: Pennsylvania
Status: offline

quote:

If that were true, the entire population would have bad credit.

Wrong. Believe it or not, there are people who pay more than the minmum amount, every month, before the due date. Guess what they have? Pristine credit.

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Post #: 75

RE: Should I trust them? - 11/22/2008 9:15:57 PM

UncleNasty

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The equity maxim holds that he who seeks equity must do equity. If they have come to the table with unclean hands... Well, that speaks for itself.

Uncle Nasty

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Post #: 76

RE: Should I trust them? - 11/22/2008 10:13:13 PM

susie

Posts: 1699
Joined: 11/21/2004
Status: offline

quote:

ORIGINAL: defiantbadgirl

But if his credit isn't restored after he pays, what is the point in paying?

The point of paying, just like so many others have told you, is that he owes the money. There is no getting away from that fact. Like it or not it is an outstanding debt on his part.

For the first time in my life I find myself in a position of not being able to pay bills that I owe due to sudden illness. I have in all cases been in touch with the companies that I owe money to and have negotiated payment plans. In each case I have followed up the phone conversation with a letter confirming the agreement. I wrote the letter because I am the one that is in debt.

Collection agencies may be different over there but I have had no issues at all with any of the companies I have been dealing with but perhaps that is because I have a different view of the outstanding debt. I owe the money and am looking at ways to pay what I owe because it is my responsibility to do so not because it might benefit my credit rating.

The one thing that is concerning in all of this is why either the phone company or the collection company are talking to you at all. From what you have said so far the debt is nothing to do with you so they should not even discuss it with you.

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Post #: 77

RE: Should I trust them? - 11/22/2008 11:16:21 PM

calamitysandra

Posts: 1682
Joined: 3/17/2006
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quote:

ORIGINAL: defiantbadgirl

But if his credit isn't restored after he pays, what is the point in paying? Getting an item marked as a "paid collection" will do no good.

What reason in hell should they have to restore his credit by deleting the entry instead of just marking it paid? Marking the entry as paid reflects the truth after all.

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Post #: 78

RE: Should I trust them? - 11/23/2008 1:30:31 AM

wandersalone

Posts: 4666
Joined: 11/21/2005
Status: offline

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."

A president of a bank said that????

dbf this sounds like an awful situation for the both of you to be in however refusing to pay a debt which he owes unless his credit rating is restored does not sound honourable. Pay what he owes and there is a chance his credit rating will be restored, continue to refuse to pay in in the mistaken belief that he actually has some right to hold a credit agency to ransom when he is the one that owes them money and I can guarantee his credit rating will not improve. Call me psychic if you will.

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Post #: 79

RE: Should I trust them? - 11/23/2008 6:25:51 AM

xxblushesxx

Posts: 9318
Joined: 11/3/2005
From: Kentucky
Status: offline

Having read half way through this thread, and seeing some of the judgmental comments from others, I feel compelled to offer my advice: My first bit of advice to you would be to go to www.creditboards.com, and ask the experts there for advice.
My second bit of advice to you is as John Ramsey says "You know a creditor is lying when his mouth is moving." Only believe what they put in writing for you, not what they tell you.
My third piece of advice is "Never take no from someone who is not empowered to say yes." In other words, talk to the boss, her boss, and then his boss.
They want the money. They are not used to people offering to pay in full and right now. That gives you some leverage. I would use it.
My last piece of advice is to take others' criticism with a grain of salt. There, but for the grace of God, go any one of us. (and if you think it could never happen to you, unless you're a Hilton, you are probably wrong.)

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Post #: 80

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