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Thought I was settling


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Three months ago, I received a call from FIA Card Services regarding a debt to MBNA (Now BofA) of about $1,200, or so, debt. I was about 90 days behind and they offered to settle the account for three consecutive payments of $112 for a total of $336. This month marked the last payment, so I was really excited to finally be closing the book on this account as it has been a thorn in my side for quite some time.

Anyway, today I received a letter from FIA stating that it was time to schedule another payment. I thought I had settled the account!? The office is now closed, so I was not able to talk to an agent, but even before I do, I want to be prepared as to what my rights are, if indeed I have any.

As a footnote, my last payment is not due to post until this Friday. If they were to renege on "our" agreement, could I threaten to put a stop payment on the posting?

Any guidance would be much appreciated. Thanks.

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There is no agreement unless you got it in writting and if there is no agreement how can they renig ?

Please say you got this in writting !

I know this isn't what you want to hear but in 99.9% of the cases, it is fact.


This is not the case for you, but a lot of times the CA's will do this on old accounts to establish a new DOFD and longer time for them to collect.

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