romadstud Posted July 30, 2007 Report Share Posted July 30, 2007 i just received a call from apex financial to collect on my providian card that i didn't pay about 2 yrs ago... i asked them for a pfd... then they went into the whole "i will not be blackmailed... blah blah blah... i'm marking your account as refusal to pay... " all that junk... i tried to explain to them that i was more than happy to pay in full if they would just delete from my cr... they started talking about suing and all sorts of ****... and then i told them i wanted to talk to the original creditor... they said i had 2 yrs to talk to them and i should get a time machine so that i could talk to them again... . this guy was very verbally abusive... what are my options now?... am i hosed?... i'm kinda freaking out now... what capabilities do these guys have, if any?... PLEASE HELP:shock: :shock: xjawdropx Link to comment Share on other sites More sharing options...
IHateCAs Posted July 30, 2007 Report Share Posted July 30, 2007 they said i had 2 yrs to talk to them and i should get a time machine so that i could talk to them again... LMFAO. That guy is good. I wonder if he made that up on the spot or rehearsed it? Link to comment Share on other sites More sharing options...
willingtocope Posted July 30, 2007 Report Share Posted July 30, 2007 Okay, look, I know you had a Providian Card and I'm collecting for it. Send me the money NOW, or I'll be over there tommorrow to beat you severly about the head neck and shoulders...When can I expect a check?(APEX gave you the old scare the hell out of the lowlife debtor routine. I think its number 4 in their play book. Learn the DV process...and use it. Just because they're demanding payment doesn't mean they have the right person, the right account, the right amount and the right to collect in your state. Make them prove it before you even think about handing over money.) Link to comment Share on other sites More sharing options...
IHateCAs Posted July 30, 2007 Report Share Posted July 30, 2007 Providian likes to sell off their defaulted accounts. So I assume you're working with a JDB. It's within SOL so they could sue you.OTOH, they have 5 days to get a verification rights letter in the mail to you. Link to comment Share on other sites More sharing options...
chilton1 Posted July 30, 2007 Report Share Posted July 30, 2007 I am still :ROFLMAO2: I would call Providain to see what kind of information they still have and also make sure my DV is in the mail the same day i get their letter. I am still on the :ROFLMAO2: They are way too funny to be debt collectors. Link to comment Share on other sites More sharing options...
romadstud Posted July 30, 2007 Author Report Share Posted July 30, 2007 so i should dv first... then worry about the rest in a lil bit... i tell you what... this guy acted worse than my 3 yr old.... lol... i thought about asking for a manager... but this guy wouldn't stop talking about me blackmailing him and how illegal it was... it was all i could do to try not to laugh... i guess they are collecting for trs/cigpf1corp.... whoever that is... i tried calling them.. no answer or machine... does this place exist?... who are these idiots? Link to comment Share on other sites More sharing options...
romadstud Posted July 30, 2007 Author Report Share Posted July 30, 2007 OTOH, they have 5 days to get a verification rights letter in the mail to you. Link to comment Share on other sites More sharing options...
IHateCAs Posted July 30, 2007 Report Share Posted July 30, 2007 OTOH, they have 5 days to get a verification rights letter in the mail to you.and what's a verification rights letter? Link to comment Share on other sites More sharing options...
romadstud Posted July 31, 2007 Author Report Share Posted July 31, 2007 ok so if i haven't gotten anything with them... .should i just try to work something out with the oc?... or with TRS?... somebody throw me a bone here... lol Link to comment Share on other sites More sharing options...
virtualrn Posted July 31, 2007 Report Share Posted July 31, 2007 Don't talk to them on the phone-DV, DV, DV....Believe me, it's working for me! Also, inform them in writing that if they do call, your calls are recorded. I let one through-let them get their initial spew out and then announced, you haven't given me a chance to say this call is being recorded. DumbA tells me, of course we record our calls for quality purposes. I respond, no you don't understand I am recording this call. The guy tells me to get lost and hung up on me..the nerve! Link to comment Share on other sites More sharing options...
romadstud Posted July 31, 2007 Author Report Share Posted July 31, 2007 man... from what i've been reading on a few forums... APEX is a bunch of retards.... i think that i'm first going to dv the trs ppl.... whoever they are... and see what comes of that... i think that i did have a providian card... but to my knowledge, i paid it off... i could be wrong... ya never know... well.... it's dv time... ciao... thanks for your input everyone! Link to comment Share on other sites More sharing options...
romadstud Posted August 27, 2007 Author Report Share Posted August 27, 2007 update... trs and sst are collection agencies for providian and apex just now bought the account... so i'm going to dv both trs and sst and negotiate with apex... they aren't even reporting... interesting... Link to comment Share on other sites More sharing options...
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