Veronak Posted July 19, 2006 Report Share Posted July 19, 2006 It is so funny I have been working off paying all my debts I am down from about 9 active cc that carry debts to 1. I also have 1 charge off and a cell phone debt (this is a phone I got for my ex who did not pay the bill) but it's funny because just last week I sent a letter to the original creditor Verizon offering to pay this debt at 70% of the actual balance. Well I have not gotten a response but I did get a call from the collection agency. When I informed him I dealing with the original Creditor he started yelling, " why don't you just pay your bills and you know this call is being record,” I mean over and over. I then said well, because you and I know that it is against the law to harass me and I consider your method of collection as harassment. Anyway I mailed a letter to the Federal Trade Commission, my attorney generals office and the collection officeI can't believe them and not only that in Florida it is illegal to record any conversation without the other party's consent. Boy was I ticked offThe company was MCM dba:Midland Credit Management out of CA Link to comment Share on other sites More sharing options...
rmuse00 Posted July 19, 2006 Report Share Posted July 19, 2006 The company was MCM dba:Midland Credit Management out of CAYup they are . They like to violate! Many posts on here regarding them. I had them on my reports and they ignored my first DV's. Wasn't until I sent 2nd DV and threatened to report them to the FTC/AG's that they were gone from my reports. Link to comment Share on other sites More sharing options...
GreatGadsby Posted July 19, 2006 Report Share Posted July 19, 2006 I can't believe them and not only that in Florida it is illegal to record any conversation without the other party's consent.that's true, but if you call them, i choose to take the "this call may be recorded" notification at the beginning to imply consent, as they obviously know their call can be recorded. if the employee said the call was being recorded, i would immediately click "record" and ask him to please repeat what he said, i didn't understand. or play dumb "what do u mean this call is recorded?" and once he blathers on, it's legal. Link to comment Share on other sites More sharing options...
Veronak Posted July 20, 2006 Author Report Share Posted July 20, 2006 I am sorry I wasn't clear with my post but after I kept telling him i am dealing with the creditor only, I was so pleasant and polite I never raised my voice i only stated " I am sorry micahel but I am dealing with the original creditor" it seems like he got annoyed beacuase i did not respond to his high screams about why don't you pay your bills that is when he told me the call was being recorded Link to comment Share on other sites More sharing options...
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