sharizap Posted May 2, 2007 Report Share Posted May 2, 2007 Edited for brevity and re-posted: Yesterday we got a call from "Mr. Jones" at Merrick Bank regarding an old CO account. My dh asked for the account history and settlement offer in writing. Now we're getting a LOT of calls from Merrick. At least 4 more yesterday and starting again this morning. The rep starts out all stern and gruff, we explain that they're the 2nd (3rd, etc) person who called already, that we spoke to someone and have paperwork coming- they apologize and say that they have a new system that doesn't have the bugs worked out yet, but they'll take him out of the loop so it doesn't happen again. This morning I got a call from a woman who was REALLY nasty. I told her about the other calls, and she goes "well, you're GOING to get calls every 7 days till this matter is resolved!" I said this was WAY more than once every 7 days and was beginning to border on abuse. She got really crappy and patched me through to her supervisor. My dh spoke to her. As usual, the supervisor started out nasty, but apologized and vowed to take him off the system. Do OCs have to follow the same collection procedures as CAs? Are there rules about how often they can call you or how they're allowed to talk to you? Link to comment Share on other sites More sharing options...
MadinKS Posted May 2, 2007 Report Share Posted May 2, 2007 Do OCs have to follow the same collection procedures as CAs? Are there rules about how often they can call you or how they're allowed to talk to you?Unfortunately, no. OCs are not bound by the statutes of the FDCPA. I would justride it out until you get the paperwork and go from there. Link to comment Share on other sites More sharing options...
nascar Posted November 21, 2007 Report Share Posted November 21, 2007 I know this is an old post but for those of you who inherited a Merrick tradeline from an old NextCard or whoever else they bought up over the last few years....Merrick Bank is a debt collector under FDCPA. Moen v. Merrick Bank Corp., 2007 WL 1381411 (N.D.Cal., 2007). Link to comment Share on other sites More sharing options...
ShortBus Posted November 21, 2007 Report Share Posted November 21, 2007 I wondered who the OC was on that old account of mine. They offered me something like a 30% settlement about two years ago and since I had the money at the time, I bit. Sent a CA a check without even knowing who the OC was Glad I wised up a bit in my old age (and thanks to the great community here!) Link to comment Share on other sites More sharing options...
Recommended Posts