I got written confirmation of a settlement agreement with Omni credit services. The deal was to pay two payments of 931.70. I authorized the agency to take 931.70 out of my checking account via a debit card. When I looked at my account 936.70 was taking out. What are my rights? What can I do? They are closed until tomorrow so I cant call the lady I spoke with. No fees were mentioned to me on the phone.
2007-10-31 11:25:11 · 6 answers · asked by jonsantarlas 2 in Business & Finance ➔ Credit
OH WHATEVER! Ask M said sue them back -- Over a few bucks??? Hello! If you cant pay your debt can you really afford an attorney -- And like who is going to accept your case??? Youre talking $5.oo. Gimmie a break....
Call the company tomorrow and ask them what happened. Chances are it was a typo when they processed the payment and they can reverse it.
2007-10-31 14:45:27 · answer #1 · answered by Sammy&Pete 3 · 0⤊ 0⤋
Okay, the responses above are utterly rediculous.
It's obvious to me that the agent who took your payment forgot to tell you about the $5 payment processing fee, which they need to do. If you paid online it would've been written somewhere before you authorized the payment.
The solution is simple... call your collection agent & tell them what happened and say you didn't authorize the charge & won't. They will talk to the supervisor & most likely they will credit you $5 and you'll get out of having to pay it. Whooopie!
If that extra $5 charge made your checks bounce, then let them know. They'll pay for it. Go to you bank & get a list of all the bounce check fees and get proof of any other fees you incurred from bounce check charges from the people you paid. Send this to them & they'll reimburse you for the damage they caused. At least I know my company does that. They take overcharging very seriously.
Talk to a supervisor if you need to, but be ready for them to want to make ammends. It was a mistake, that's all. They're not trying to rip you off... it's just a collector who forgot one of the million things they were supposed to say to you.
If you want to try to sue them over $5 go ahead. It's just not worth it though. You'd only get the damages paid back to you that I listed above for all your trouble. They'll do that without court. If you do get any trouble, just insist you didn't authorize the extra charge (they have all conversations on tape). Talk to the supervisor!
2007-11-03 10:23:36 · answer #2 · answered by Pinched 2 · 0⤊ 0⤋
Rule # 1 when dealing with collection agencies: NEVER, NEVER, NEVER EVER give a collection agency your bank transit and checking account number to pay electronically...doing so is an invitation to disaster....You're lucky they didn't take every penny you have. ONLY pay a collection agency via USPS money orders.
2007-10-31 23:25:38 · answer #3 · answered by CatDad 7 · 1⤊ 1⤋
I would call first thing in the morning and get an answer to why they took more than agreed upon,.There has to be an explanation or put your money back that was overcharged or take it off you next payment to them.
2007-10-31 18:35:15 · answer #4 · answered by wanna know 6 · 0⤊ 0⤋
And now you see why you should never give a collector access to your bank account.
Chances are they are charging you $5 for an online payment or some such thing.
2007-10-31 18:58:02 · answer #5 · answered by bdancer222 7 · 2⤊ 1⤋
I would sue them back, did they validate the debt? Did they
PURCHASE the debt. Did you sign anything that says
you owe them for the debt? Is it past the statute of limitations
and you gave them YOUR DEBIT CARD # so now they
can file a claim against your checking account !!!!!!!
www.creditinfocenter.com
buddhibbs.com
2007-10-31 18:47:57 · answer #6 · answered by Anonymous · 0⤊ 5⤋