OC calling mom

[gac689]

OK hello to all hope everyone's summer is going well. Just a questions to those in the know. I have an account with Chase, last payment in Jan which is currently in negotiation for a settlement ( no, they have not agreed to a final amount yet, but the offers have been going back an forth....) They of course have all of my current contact information my address phone number email etc. Just recently, they have begun harassing my mom. They have told her its regarding a financial matter. She has clearly told them only that no one by my name lives at that address period. She has also said they are not to call her again or she will contact the AG for our state...NJ. Ten min after she said that they called again.I have not lived there for over 18 years. Does she have any recourse with a C&D letter? I know this is an OC but they cant be allowed to harass a third party ?? Thanks for any assistance.

[chrismg]

If they are harassing her, as described by law, she can file a police report.

If they are annoying her, there isn't much she can do but complain to them or the AG if she likes. She can tell them to FOAD...that's also an option.

[Ravenous Wolf]

I know this is an OC but they cant be allowed to harass a third party??

Nobody is allowed to harass a third party. Lowlife degenerates who work in the collections departments of an OC do so because too many people let them get away with it. As a result, they also know how effective it is so they keep doing it.

Unless you and your mother is actually going to follow through with the appropriate measures, like the AG, etc, then the next best thing your mom can do is immediately hang up the phone and DON'T have ANYTHING to say to them whatsoever. They are angling for the opportunity to talk to your mom because they know that they can grind her down. She shouldn't give them that chance. The better thing to do is to change phone numbers, if not, she should not say a word and hang up.

[hiblues]

or.....

drum roll please..... dadedadedadedadedadade

you could pay the bill as promised in the first place...

wow,

what a concept...

doing as you promise to do....

and

then you now what....

you don't have to worry about them calling your relatives...

instead they

1. send you offers to transfer balances for 2.9%

or

2. give you credit cards with high balances for 6.9% for life

[gac689]

OK HIBlues, time to get off your hi horse and stop being an a$$....Promising to pay the original amount due is exactly what I offered, I will not pay the ridiculous aditional fees they tack on and outragous finance charges. When you've lost a job and your house then maybe you could feel high and mighty telling others how glorious you are in paying all your bills. Until then shut up if you have nothing helpful to add, you don't know a particular situation so don't make snide comments. My issues have nothing to do with uneeded harassment of my mother who , by the way, just lost my father to cancer a month ago, you a$$, so be quiet, sit down and let those of us on this board who are here to help each other continue with their work. Chase knows full well how to contact me and where I am, I have been open and in contact with them from the first day. They are doing this simply because they think they can and that is intolerable to a decent human being and should be to you. Shame on you.... BTW the AG of my state immediately contacted my mother and is interceding on her behalf. NJ doesn't take kindly to creditors harassing anyone, whether they owe money or not, maybe you should take a lesson.....harrassment is NEVER justified.

[LeslieR]

OK the OP said he/she was in the negotiation of a settlement. No need to beat up.

However, my advice varies a little from the good advice you've been given here. I would not put this on your mom to solve/stop. (First, it's not her problem to begin with). But second, I think that pointing this harassment out -- and it is harassment, in light of the fact that they KNOW where to find you and have been in contact with you -- should give you some leverage in your negotiations.

JMO.

[jasen]

doing as you promise to do....

and

then you now what....

you don't have to worry about them calling your relatives...

Whether or not he fulfilled his obligations is irrelevant. His mother has nothing to do with that contract, they do not need to use her to locate him, and he does not live at that address. It is not legal or ethical to harass a 3rd party for any reason.

That was a bit condescending.

On topic:

The mom can certainly send them a C&D. However, if they ignore that, it would still be up to her enforce it (via court). Forwarding the situation to the state AG might help, or might just get filed away, but it can't hurt to try.

[Ravenous Wolf]

Whether or not he fulfilled his obligations is irrelevant. His mother has nothing to do with that contract, they do not need to use her to locate him, and he does not live at that address. It is not legal or ethical to harass a 3rd party for any reason.

That was a bit condescending.

That is absolutely right! That is why we have something called laws. A third party has nothing to do with what happened to someone else.

Right now we have too many pig-eyed lying sack of [EXPLETIVE DELETED] who are getting away with manipulating innocent bystanders, especially parents. They know full well that they can intimidate them with half-truths and misinformation.