I have a Premiere Bank credit card... I am not late on any payment yet for the last 3 days I have been getting constant calls from them. Today I called them and I was told that they were giving me a courtesy call that I was 10 dollars over limit on my account. I asked If I was late on a payment or If I missed a payment? They said NO. I responded with “Then why are you gusy harassing me?
They said that they will call me every day as much as they want until I get back on track.. I was upset to say the least! I said you are harassing me yet I am still current..
What can I do?
Is it true that I can write them a letter indicating I want all correspondence by mail?
Please help!
2007-08-22 05:49:01 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
You are OVER YOUR LIMIT technically you owe them a payment until brought within the limit.
You do of course know you are in for a huge over the limit fee as well which continues to keep you over the limit until you pay.
YOU are in the wrong the original creditor has different guidlines over a collection agency.
YOU ARE WRONG get off your high horse.
2007-08-22 06:01:36 · answer #1 · answered by Anonymous · 1⤊ 0⤋
If you are over your limit, then you have violated the terms of your contract with them even if your payment isn't late. Get the payment in, and pay at least a little more than the minimum payment to get below your limit.
This isn't harrassment.
2007-08-22 13:10:15 · answer #2 · answered by Judy 7 · 1⤊ 0⤋
It was just a courtesy call and you overreacted.
Cease and desist let ters are only effective on third party bill collectors.Attempts by the origanl creditor does not fall under the FDCPA.
2007-08-22 14:34:32 · answer #3 · answered by Ti 7 · 0⤊ 0⤋
yes under the cease and desist law
public law 95-109,section805-c of the fair debit collection practices act.
just write and include the above information, tell them you wish to only be contacted by mail or e-mail, any other contact by them and you will report it to you attorney.
start making your payments on-line, that way your can see whats going on and your payments credit to account faster.
2007-08-22 13:13:08 · answer #4 · answered by Anonymous · 0⤊ 2⤋
no they have that right if you or over limit because you need to read your card holder agrment. be over is like have a hot check you only have so much credit.
2007-08-22 13:00:26 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I don't know about the whole "correspondence" thing.
But if you are over your limit then you are not "current."
2007-08-22 12:58:58 · answer #6 · answered by ♥Lucifer♥ 3 · 1⤊ 0⤋