I had been making payments on my account for almost two years. I didn't make one months payment, and they sent me a letter offering me a "settlement offer" for 30% off of what I owed. I took that offer and made my first payment on it the very next morning, which was October 29th. Then starting November 2nd I got phone calls all day long telling me my payment was late. This went on for over a week. Everytime I returned their call and informed them that I was on a settlement plan.
Then I started getting letters in the mail telling me I was late. I just ignored those, and then went and made my second payment of $275.41 on November 29th. Then again starting December 1st, I got another phone call telling me I was late. And this time it went on again for several days. Then I got a call from a real person who wanted to know when I would be making my next payment. I told her that my next payment wasn't even due till December 29th. She told me she knew that, but wanted to know what time I would be making it. I couldn't believe she was asking me this, so I told her on the 29th and hung up.
Then I started to wonder if there was really such a thing as a "settlement offer". So I wrote Cash Call a letter on December 16th. I told them that I questioned whether or not there was an actual settlement on my account. I also listed dates and times that I was receiving all of their calls, and emails, and letters. I even included copies of these in my letter to them. I told them that I was sick of this harrasment especially since I had been making all of the payments on time. I then told them that I would no longer be making any payments to them untill I received something stating that I was infact on a payment plan, and that my account would be paid off on March 29th 2008, with nothing owing to them. I stated that I didn't care if they mailed, faxed or emailed me a new contract or a letter simply stating that I was on a settlement offer. And I stated that if I got this, that I would infact make my December 29th payment as expected. I also sent this letter out certified return receipt, and yes they did sign for it.
But I never got a letter or a copy of the updated contract. And I have never heard another word from Cash Call. They never called me, I haven't gotten any letters, and no emails. So my questions is, was I in the correct state when I told them I wanted a copy of the new agreement? And if I was in the wrong.. where did they go?? I dont want to wake up one day and be served a summons. Could some one tell me if I was correct in asking for these documents. Any help would be greatly appreciated.
rancho cordova, California