A friend of mine who cannot pay off his credit card is telling a collection agency that I charged it up.I never had access to his card and he is lying. How do I get collection agency to stop calling me?
2006-11-30 18:57:49 · 6 answers · asked by The N8 2 in Business & Finance ➔ Credit
It is very easy to get a collection agency to stop calling, you simply send them a letter telling them to do so. Send them a C&D (cease and desist letter). Simply write: "In line with my rights under the FCRA, please do not contact me again in any way, shape, or form regarding this debt". If they contact you again - by phone or mail - they are breaking the law.
2006-11-30 23:36:13 · answer #1 · answered by Kevin K 3 · 0⤊ 2⤋
I am dealing with Credit Cards. Did you sign any papers or application forms together with your friend? Is this a joint Principal and supplementary card?
As the new guidelines from the central banks mention each principal and supplementary card holders are both equally liable for the outstanding amount being charged on the card (individually).
Usually the principal card holders will get most of the heat as the credit is approved based on his financial capabilities.
If you have not sign anything, just write an official letter explaining the situation and attention it to the Head of Customer Service or Head of Credit Collection.
BTW your friend cannot lie as all transactions will be displayed what have been charged, when, where and on who's card.
Good luck.
2006-11-30 19:10:13 · answer #2 · answered by Rosy 3 · 0⤊ 0⤋
You are not liable. The collection should not be calling you unless your name was on the account/card. You can take your friend to court for slander and the collection agency for harassment. Do a search for Collection and Debt Practices Act. It will have more info for you.
2006-11-30 19:07:30 · answer #3 · answered by laidbck111 3 · 0⤊ 0⤋
Tell the company to stop calling you. Legally they cannot call you for someone else's debt regardless of whether you used the card or not. The bill is in the friends name and not yours. Once you tell a company not to call, they are legally not allowed to call again. Also, send them a certified letter stating the same.
If they call again, get a lawyer. It is harrassment. Also, I would file a complaint with the Better Business Bureau about their unbusiness like behavior. http://www.bbb.com
Make sure they know that you are not intimidated and will not be harrassed. Tell them what your plans are if they call again.
2006-11-30 19:12:18 · answer #4 · answered by Jen 6 · 0⤊ 1⤋
You ask them nicely. They are breaking the law if they don't listen to you (it's called harassment). In fact they don't have a good reason to call you in the first place if you are not an account holder. Ask them what gives them the right to ask you for anything at all..
2006-11-30 19:09:07 · answer #5 · answered by teehee 3 · 0⤊ 0⤋
Inform the collection company that you are not a debtor to them and that what they are doing is harrasment over a bill that is not yours and if it continues you will seek legal recourse.
Make sure to document anytime they call you and as many details as possible.
2006-11-30 19:09:55 · answer #6 · answered by Michael T 2 · 0⤊ 1⤋