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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Thu Sep 04, 2008 12:46 am
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I agree with you, I never even gave the original creditor my bank account information, somehow they get it, I think this violates the hell out of privacy.
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Goodnatured,
http://cashinpocket.synthasite.com/
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Thu Sep 04, 2008 12:49 am
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| How in hecks creation do they get this info? It is suppose to be one of the most protected forms of info there is. The only thing I can imagine is if the credit card company kept a copy of the check numbers when someone paid by check just in case. Still this has to be highly illegal and I can not see how someone who has had this done can not press charges. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Fri Sep 05, 2008 1:57 am
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No, I have some that have tagged my bank account and I have never even had an account with them and they pull money from my bank account. I don't know how they get it, I find it more disturbing that your bank will let them access your account with out contacting you.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sat Sep 06, 2008 2:19 am
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| Did you ask the bank how this is happening? I can not believe just how unfair this is. So in other words if you get one past debt in collections you have to monitor your account forever unless it is paid off? See this is what I am talking about needing some reform to this area. The banks are so anxious for you to let them keep oyour mon ey for you, often competing with other banks and offering cheap awards and then they can't go the full 360 and protect you. Is this even legal for these companies to do this. Wow you really just hit a nerve. |
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erb1953
Joined: 31 Dec 2007
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Posts: 621
-55 Magic Points
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Sat Sep 06, 2008 2:25 am
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| They pay the credit reporting agencies to get this information. So the very entity that reports on you shares your information with your debt collectors too. I wish there was a way to say to the credit reporting agencies " you are violating my privacy" I think there should be a law against this because if it were a doctor or anything else in life you would have a lawsuit against them for giving out personal information that will be used for collecting debt against you. It should be against the law. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sat Sep 06, 2008 3:03 am
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| Yes but how would the OC get such private info as that of a bank account unless they have one of your check payments on file? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Sat Sep 06, 2008 3:15 am
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The credit reporting agencies have all this information on file, they track your every move. I don't think they should be able to put this information out there the way they do. All the collection agency has to do is file a request and pay a fee and they have everything they need.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sun Sep 07, 2008 2:18 am
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| This is illegal or it should be. I thought that our bak account info was confidential. They shouldn't be allowed to list it on a credit report. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Sun Sep 07, 2008 3:03 am
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The credit reporting agencies let the collection agencies know when you file for anything also, they call it a tickle file, it sends them an alert that you are accessing your credit and the collector will start bugging you again.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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erb1953
Joined: 31 Dec 2007
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Posts: 621
-55 Magic Points
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Sun Sep 07, 2008 11:55 am
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| I don't see how this is fair, especially when they will take the word of a collection agency over a debtor. A business can put about anything they want to on your report on the credit reporting agency will pull out the keyboard and start typing it in. I think there needs to be a more fair reporting deal, we can't report on them on the reports. All they have to do is to ignore our request for debt validation and their negative report stays on our report. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sun Sep 07, 2008 2:00 pm
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My goodness the more I hear the more discusted I get. This is probaly why they had started to bother me after so long. My hubby too. He also had an old Cap. One when we met. We didn't hear anything for a few years. I figured it was because the bills and phone were all in my name and he never applied for any new credit. Once we consolidated loans they sent a letter or two again.
I also seen on mine it isn't really updated because they have the name of a very old employer on there. I have worked a few places since. |
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liz2taylor
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Subject: calls
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Tue Jan 20, 2009 3:15 am
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I have gotten many calls from this number, when I called back they told me that I would have to come down to the office to talk to them.
The problem is I live in Arkansas, it is in NY so how do you get from here to there???? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Tue Jan 20, 2009 3:47 am
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It is just ridiculous for them to even think that you would "just come down to the office", You should send them a debt validation letter, put the ball back in their park, if they can't validate then they can not collect it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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Justin
Joined: 17 Jul 2006
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Posts: 1298
28935 Magic Points
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Tue Jan 20, 2009 8:43 am
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Hi liz2taylor
If Kingman Cole is calling you up over phone there is no need to worry because they need to have proper proof that they owe the debt before collecting it. First pull out your credit report to find out whether they have listed their name against any debt. If they have done so, just send a debt validation letter by certified post. Unless they validate your debt, they cannot collect the debt. You need not go to Arkansas to find out whether you actually owe the debt or not.
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All the Best 
Justin |
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Mary
Joined: 06 Jul 2006
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Posts: 730
17417 Magic Points
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Tue Jan 20, 2009 8:58 am
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There are a lot of complaint against kingman Cole and Associates. Just try to avoid them by sending a debt validation letter if they send you a debt validation notice or list their name in your credit report. If they still disturb you for any debt without validating it, send a cease and desist letter to them. There are sample cease and desist letter and debt validation letter in the forum itself if you visit the link letters of credit
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Where there's a will, there's a way !! |
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