We are in collections with American Express and been making regular payments on time. They are always sent delivery confirmation, have to be signed for etc. I call our case worker with the tracking number, we argue a little and hang up. All in all we work well together I have to admit. He gives a little now and then.
Mailed Octobers in, ( just found this out 2 days ago ) and the collections person signed for it but it never got posted. American Express gave the account to another collections agency. I called the old collections agency and talked to the guy I had been dealing with. He was mad. He said it wasn't our fault. It was plainly made on time. It was signed for on time, but whoever was supposed to post it on time didn't do it.
So American Express thinks we defaulted. We were on a 0 % interest for 6 months then to go to 9.99% for the duration to give us a break and get some paid down but the collection agency screwed up. He said he was going to find out who and someone was going to be in deep crap. Was he serious? Think so, afterall they lost an account that was going well for them.
One thing he did say tho was if we didn't want to deal with the new person just make the payment on line. I said they said they wouldn't accept it. He laughed and said they'll accept it. I said they said they wouldn't accept a payment that wasn't made thru them. He just laughed loud again and said Oh yeah, they'll accept it, believe me. One nice touch I will have to admit, before he hung up he said I know I'm done with you but if you need any help, any advice just call me and I'll do the best I can. He didn't have to do that. He was done, over. Maybe it was for spite to American Express for cancelling their contract for us. Don't know, but do know that was appreciated.
Which means even if they took us to court if the payment were being made regardless of how they were being made the judge would be on our side, not American Express. This is how I took it.
Have I mentioned I hate credit card companies. As anyone reads these posts remember these all happened within a 2 week time span. Needless to say, I've about had it.
Mailed Octobers in, ( just found this out 2 days ago ) and the collections person signed for it but it never got posted. American Express gave the account to another collections agency. I called the old collections agency and talked to the guy I had been dealing with. He was mad. He said it wasn't our fault. It was plainly made on time. It was signed for on time, but whoever was supposed to post it on time didn't do it.
So American Express thinks we defaulted. We were on a 0 % interest for 6 months then to go to 9.99% for the duration to give us a break and get some paid down but the collection agency screwed up. He said he was going to find out who and someone was going to be in deep crap. Was he serious? Think so, afterall they lost an account that was going well for them.
One thing he did say tho was if we didn't want to deal with the new person just make the payment on line. I said they said they wouldn't accept it. He laughed and said they'll accept it. I said they said they wouldn't accept a payment that wasn't made thru them. He just laughed loud again and said Oh yeah, they'll accept it, believe me. One nice touch I will have to admit, before he hung up he said I know I'm done with you but if you need any help, any advice just call me and I'll do the best I can. He didn't have to do that. He was done, over. Maybe it was for spite to American Express for cancelling their contract for us. Don't know, but do know that was appreciated.
Which means even if they took us to court if the payment were being made regardless of how they were being made the judge would be on our side, not American Express. This is how I took it.
Have I mentioned I hate credit card companies. As anyone reads these posts remember these all happened within a 2 week time span. Needless to say, I've about had it.