Been_Ponzied Posted June 11, 2005 Report Share Posted June 11, 2005 I was just wondering if anyone has any luck or any response at all when filing a complaint about an abusive collection agency. I have no proof that they called me obscene names on the telephone. They did not care at all about my BBB complaint, claimed they no longer had the debt (true), so my BBB complaint was closed. I'm complaining to their professional agency about Ethics, which I found the link here. And the FTC took my complaint, but did not forward it to them. The problem is that if you complain to the Attorney General, and there is no monetary recourse involved, there is no way anyone can resolve anything. Because you aren't gonna get an apology, no way!So what's the use? We are at their mercy. Link to comment Share on other sites More sharing options...
Radio_Guy Posted June 11, 2005 Report Share Posted June 11, 2005 Well Yeah !!!This is the primary way to get collections removed from your credit. Actually filing acomplaint may not help but what you do is sue (or threaten to sue,) for FDPA violations.You need to take the bull by the horns, get a $20.00 phone recorder kit from Radio Shack, send a CMRRR C & D letter to the CA stating that you will be recording all phone calls and kick their butts...If they screw up again you have grounds to begin the Lawsuit Process...They usually settle out of court for a "Delete" or sometimes FDCPA violations which is $$$ to you !!!You need to read the basics of credit repair (it takes two minutes.) http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=24558&highlight= Link to comment Share on other sites More sharing options...
Been_Ponzied Posted June 11, 2005 Author Report Share Posted June 11, 2005 Thanks. It's too late now to tape them. We settled the debt with the next guy. But I will use your info in case this ever happens to us again. I will read up on debt repair again. I had to take a break; it's so stressful. I'll read your link - thanks! Link to comment Share on other sites More sharing options...
codename_fortyseven Posted June 12, 2005 Report Share Posted June 12, 2005 No, don't send a CMRRR letter saying you are going to tape them. Why give them that sort of notice. There are UBER ways to legally record a phone call, and considering most states are one party anyway, I would never give a CA or anyone I expect to say something dumb notice like that. Link to comment Share on other sites More sharing options...
mnorwood Posted June 12, 2005 Report Share Posted June 12, 2005 I would reccomend filing complaint w/ AG office. The AG's office is the only office that ever responded to me and quickly handled my complaints aginst the CA's. It seems as soon as these CA's heard from the AG office they VERY quickly fell off my reports. Link to comment Share on other sites More sharing options...
Radio_Guy Posted June 12, 2005 Report Share Posted June 12, 2005 Hi codename_fortyseven,No, don't send a CMRRR letter saying you are going to tape them. Why give them that sort of notice. There are UBER ways to legally record a phone call, and considering most states are one party anyway,I've always seen it buried deep in the language of the C & D letter and since I am in a two party state I always default on the side of caution. Your point is well taken. I'm sure been_ponzied will do some more research here in the forums before he actually send any specific CMRRR letters...Best wishes, Link to comment Share on other sites More sharing options...
divemedic Posted June 12, 2005 Report Share Posted June 12, 2005 Being in Florida (a two party state), I always include the language about recording calls.Besides, there is nothing in the FDCPA allowing limited C&D. Link to comment Share on other sites More sharing options...
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