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Shady loan company. Help!
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<blockquote data-quote="LittleDudesMom" data-source="post: 576133" data-attributes="member: 805"><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Contrary to what other responders recommend, were it me, I would answer their call next time and say, "Yes, I closed my account because my records show I have fulfilled my financial obligation. Last time I spoke with someone, I asked for an account statement but never got one. If you could send me my account statement and it shows I still have an unpaid balance, I am happy to begin withdrawels again." "No, I don't have a personal email, just a work one. Could you mail it please?"</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Now, that way you come across as not being confrontational, thinking everything is paid in full and, if they want more money, they have to mail you something that will show their mailing address and contact information as well as something to use if their records don't match the bank records (which the bank will provide for you - although depending on how far back you go they might charge you).</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Two things could happen, they could disappear because they know they can no longer take any more money or they send you a statement. Either way, the bank is already investigating and they can probably get a lot further than you.</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Word of advice - 2013 goal - please make yourself a filing system for important papers. To make it easier to begin - just start a pile where you put any papers you might want to keep every time you come across one for the next month. One day, sit down and divide them up into piles - warranties, insurance, school records, medial stuff, bills, taxes, receipts, etc. Then make a file folder for each and put the stuff in there. You will be surprised at how much easier the household will run when your paperwork is organized. </span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Those folders will probably lead you to make more and begin to break them down into smaller catagories! I had a service tech over hear in November to do service on my gas fireplace. The unit is 17 years old and he had not worked on a wall mount unit before. He was trying to figure out how to pull the frame off and I said, "wait a minute, let me get you the instruction manual." I went to my household files, and pulled the booklet out of the warranty file (where I put warranties and instruction manuals) and gave it to him. He was shocked I still had it! </span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Good luck.</span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px"></span></span></p><p><span style="font-family: 'comic sans ms'"><span style="font-size: 12px">Sharon</span></span></p></blockquote><p></p>
[QUOTE="LittleDudesMom, post: 576133, member: 805"] [FONT='comic sans ms'][SIZE=3]Contrary to what other responders recommend, were it me, I would answer their call next time and say, "Yes, I closed my account because my records show I have fulfilled my financial obligation. Last time I spoke with someone, I asked for an account statement but never got one. If you could send me my account statement and it shows I still have an unpaid balance, I am happy to begin withdrawels again." "No, I don't have a personal email, just a work one. Could you mail it please?" Now, that way you come across as not being confrontational, thinking everything is paid in full and, if they want more money, they have to mail you something that will show their mailing address and contact information as well as something to use if their records don't match the bank records (which the bank will provide for you - although depending on how far back you go they might charge you). Two things could happen, they could disappear because they know they can no longer take any more money or they send you a statement. Either way, the bank is already investigating and they can probably get a lot further than you. Word of advice - 2013 goal - please make yourself a filing system for important papers. To make it easier to begin - just start a pile where you put any papers you might want to keep every time you come across one for the next month. One day, sit down and divide them up into piles - warranties, insurance, school records, medial stuff, bills, taxes, receipts, etc. Then make a file folder for each and put the stuff in there. You will be surprised at how much easier the household will run when your paperwork is organized. Those folders will probably lead you to make more and begin to break them down into smaller catagories! I had a service tech over hear in November to do service on my gas fireplace. The unit is 17 years old and he had not worked on a wall mount unit before. He was trying to figure out how to pull the frame off and I said, "wait a minute, let me get you the instruction manual." I went to my household files, and pulled the booklet out of the warranty file (where I put warranties and instruction manuals) and gave it to him. He was shocked I still had it! Good luck. Sharon[/SIZE][/FONT] [/QUOTE]
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