What's the next step?

[MommieDearest]

What is the name of your state? CO


As per an earlier thread - I have a collections agency chasing me for a fradulent charge (I paid the balance, closed the account only to find they've been charging me for some BS finance charge for something for the last 4 years) I wrote a letter of dispute to the collections agency explaining the situation and why I don't owe Direct Merchant's Bank any more money.

Anyhow, It's been over a week and I haven't heard anything about it. Should I attempt to follow up with the collections agency or hope they crawl back under their rock?

 

[cmorris]

A week isn't long enough.

Did you send your letter certified mail return receipt?

 

[MommieDearest]

No - I realize now that I should have done so. Should I just give it a little more time?

 

[cmorris]

I'd resend my letter, CMRR. But give them more than a week to respond.

 

[teambusse2]

REirect Merchants Bank

I have read through your posts and it is very similar to my dealings with this cc company and it's collection agency. The agency I am dealing with through DMB is located in Wisconsin though, assuming since that is where I reside. I had my first court hearing for them and they just sent some local lawyer there to see if I would show up and dispute it. Which I did. My cc that they are trying to collect from was a secured cc. I opened it back in 1997 and they issued me a unsecured card after I had good standing with them for a year. My last payment on the unsecured cc was 4/7/00. I spoke with DMB and they stated that they don't have any records of me oweing them any money and they show my unsecured card as paid in full and closed at my request. They sent me a letter stating this. So I sent the collection agency a copy but they are still taking me to court. DMB also disputed the debt and had it removed from my credit report as of thrusday this week, the day I went to court I received a copy from Transunion. So I am unsure of how this will all end up but it has been very frustrating and taught me a lesson on keeping everything, paper files! I asked the collection agency to send me a copy of the bill or something showing that I owed the debt and they said no, we will take you to court before we do that. So I said ok, I am not paying on a debt that I do not owe. I am very afraid that even with everything that I have a judgement will be in their favor. I hope it all works out for you. Anyone have any suggestions for me on this? What more can I do?

 

[cmorris]

Team,

You really should start your own thread. This is considered hijacking and rude.

But, since you're new, here is my response. Your letter should be proof enough for the judge. The CA will have to prove you owe it before a judgement is rendered. Just answer any documents you get and show up to court.

Go to creditboards.com and read as much as you can. Post for help as well.

 

[teambusse2]

cmorris

I sincerely apologize for posting under this thread, I was just shocked to someone dealing with the same issue as me. Thanks for the advice.

 

[cmorris]

It happens and wasn't intentional. It's just a reminder, so as to not make more threads confusing.