The company I have my car loan through calls me at work if I'm more than 5 days late on my payment. I've repeatedly asked them to call me at home and not to call me at work. They called me again today and the rep even told me that she saw that they were not supposed to contact me at work then asked me if I'd talk with her anyway!!! I work in the media/advertising field and do not have the time to take personal calls on the job. I'm afraid they are going to cause me to lose my job.
2007-10-22 08:58:39 · 7 answers · asked by cherish k 2 in Business & Finance ➔ Personal Finance
I usually can't pay early because as I've told the loan company, I get paid about a week after the due date. It's not that I wouldn't love to pay early or on time and put a stop to this, it's that I can't. They have my cell and home number and as many times as I've asked them to call those numbers, they have not tried them even once, they always automatically call my work.
2007-10-22 09:13:31 · update #1
Once you have told them to stop calling you at work, they are suppose to immediately cease all contact at your place of employment. By not doing so, they are in violation of section 805 of the Fair Debt Collection Practices Act (FDCPA). Inform them that you will contact an attorney if this continues.
See below...
(Section 805(a)(3)). Debt collectors may not call you at work if they have reason to know your employer forbids such communication (e.g., you or your employer has verbally informed them).
Good luck!
2007-10-22 09:13:02 · answer #1 · answered by fLORIda 2 · 2⤊ 0⤋
Some of the answers you've received about this are just out-right mean!!!! I have a friend works for a finance company, who just told me that once you inform the company to refrain from contacting you, yet continue to do so - are violating your rights. Ask them if they are recording the call. If the answer is yes, tell them again to stop calling you at your place of employment. You can also write and send the letter certified mail, make sure to keep a copy for your records and get a record of the person who signed for the letter. But, what may help you be able to pay on time is to see how much it would be to move your due date to one that is compatable to your pay day. Some companies will actually allow you to pay the note up to a certain date, which will change the current due date. It's worth a shot.
Oh, and to those who were just rude with your answers, most people are late with a payment or two in a lifetime - we're not all rolling in the dough!!!!
2007-10-22 10:46:32 · answer #2 · answered by P D 2 · 3⤊ 0⤋
Sounds like Capital one. Here is what you do, on the due date call them and set up a check by phone for your payday if it is within 7 days (that is as far as most places will go out) Then next time they call you at work immediately ask to speak to management, and inform them of what has been going on, then go to your congressman's website, go to the contact area and explain in detail what has been going on, next wait for a letter from him stating he has been in contact with the Attorney General who will write the company demanding why this is going on, as it is against the law.
2007-10-22 10:43:15 · answer #3 · answered by Pengy 7 · 1⤊ 0⤋
Since you have already asked them to not call you at work, they cannot legally contact you at work.
If they call again, remind them they are making themselves liable for a hefty fine if they continue this practice.
I see that someone else gave you information on how to report this company.
You can also ask this company to move your due date back so that your pay period and the due date are closer to each other, that ought to help with the problem.
2007-10-22 09:20:59 · answer #4 · answered by tantiemeg 6 · 1⤊ 0⤋
Make sure you are not late with your payments in future so that does not give them the opportunity to phone you. Set it up with the bank as most companies accept DD or SO these days. Do they have to come through a switchboard cos if they do send a note to your switchboard and tell them you are permanently out to this company.
2007-10-22 09:08:48 · answer #5 · answered by dozyllama 6 · 0⤊ 0⤋
1) Mail your payments a few days earlier to allow sufficient time for processing to avoid getting calls.
2) Change your phone number with them - list your cell as your work #.
2007-10-22 09:03:10 · answer #6 · answered by beast 4 · 0⤊ 2⤋
try paying on time.
Failing that, you might try telling them that you will report them to some agencies that regulate them like FTC. if what they are doing is illegal, threat of being reported should be enough to stop the practice. if not, i would actually report them.
2007-10-22 09:06:50 · answer #7 · answered by NickNameHere 2 · 0⤊ 1⤋
Its your responsibility to pay on time - the timing of your paydays is not the lender's problem. If you handle your money more wisely, they won't need to call you at all.
2007-10-22 09:29:38 · answer #8 · answered by Anonymous · 0⤊ 5⤋