aachudneymiles Posted April 3, 2007 Report Share Posted April 3, 2007 I have an AFNI Account that is on my CR. ( its mines I did it ) for 160.00I emailed them 2 times and they called me back with a Responds ..saying if I payed today or post dated a check they would remove from credit reports.. Now I ask the lady if she could send that in writing and she says we dont have anything like that but we can sent you that after you do a payment... I am confused on what to do... do I pay her , take her word? or do I say .. I need something in writing cant do with out and be firm? Please helpHelp!! I have to respond today Afni Link to comment Share on other sites More sharing options...
divemedic Posted April 3, 2007 Report Share Posted April 3, 2007 The reason they won't put it in writing is it is illegal for them to solicit post dated checks.Do not pay them. Instead, ask them to provide you proof that the debt is yours, and that the amount is correct. Just because you once owed someone money doesn't mean that the amount is correct, or that they have the proof that it is.Also, CA's lie. If it isn't in writing, it didn't happen. Link to comment Share on other sites More sharing options...
IHateCAs Posted April 3, 2007 Report Share Posted April 3, 2007 lol@take their word.That's like believing a snake that says it won't bite you. Link to comment Share on other sites More sharing options...
aachudneymiles Posted April 3, 2007 Author Report Share Posted April 3, 2007 Great.. Thnx Everyone----- ok now we are getting some where.. I will NOT take their words but instead can I send them a email of course thru read nofity ( a email service that records everything) and tell them all calls will be recorded and pay and end this BS Or could I send them a settlement agreement? They are in illinois and I believe IL is a all parties consent state for recording calls by cell phone while texas ( where I am at isnt ) Dive I think my DV is untimely.. but I wrote them an dv email 2 days ago. and today this lady calls like we are willing to take this off your credit and close the account if you pay the full amount.. sounds like they have nothing?Dive i dv''d once the lady said in oct. but never rec'd anything of course the lady said she sent it.. NO CMRR (didnt know about this site then) i have request the lady resent and it was in email i sent thru read notify.. but i mite be untimely is this ok? she seem in a hurry to settle the account .. maybe she doesnt have anything Link to comment Share on other sites More sharing options...
divemedic Posted April 3, 2007 Report Share Posted April 3, 2007 As I said, do not pay unless you get a PFD in writing. If they are on the up and up, they won't mind writing it down. If you are in TX and you want to record, go ahead if it is legal to do so. The law where they are doesn't matter.Keep pushing. just because your DV is not timely doesn't mean you don't do it, it just means that you can't sue them if they don't. Link to comment Share on other sites More sharing options...
aachudneymiles Posted April 3, 2007 Author Report Share Posted April 3, 2007 dive your the best ... you make it soo simple ... Thnx Will do EXACLTY:)++ Link to comment Share on other sites More sharing options...
kevin3344 Posted April 3, 2007 Report Share Posted April 3, 2007 (edited) I wrote them an dv email 2 days ago. and today this lady calls like we are willing to take this off your credit and close the account if you pay the full amountThis is what happens when you correspond via email. DON'T DO IT. Write them CMRRR only.________Gabriellaxx Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
aachudneymiles Posted April 5, 2007 Author Report Share Posted April 5, 2007 well kevin see my emails are cmrrr through read notify so i see when they opened it who opened how many times and get a return receipt it that it made it there. Link to comment Share on other sites More sharing options...
kevin3344 Posted April 5, 2007 Report Share Posted April 5, 2007 (edited) I guess I'm old fashioned. I've never used the email method, however, if that works for you by all means use it.________The Sanctuary of Truth Wong Amat Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
thomassl Posted April 5, 2007 Report Share Posted April 5, 2007 I agree with Kevin3344...I would never rely on emails as proof! I still think sending information certified is much better. I also never communicate verbally with CA's as they lie consistently! Link to comment Share on other sites More sharing options...
IHateCAs Posted April 5, 2007 Report Share Posted April 5, 2007 well kevin see my emails are cmrrr through read notify so i see when they opened it who opened how many times and get a return receipt it that it made it there.I think you're missing the point. Link to comment Share on other sites More sharing options...
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