We previously had a loan with HFC. In fall of 2010, HFC offered us a buyout on the debt, they would take 30% of the balance but it would be a negative mark on credit report. We sent them a check for 867.08, accepted their offer, even wrote account # plus payoff and close acct in memo part of check.
Flash forward to summer of 2012, I am getting hammered by Forster & Garbus over this debt. I sent a letter explaining the situation, plus a copy of the check with HFC endorsement on it showing proof of payment.
They replied back that they checked with Midland Collections and my check copy was no proof of payment. I replied back that I was not sure how the hell Midland had any say in the matter. They stated Midland owned the account. I replied that Midland had purchased an already paid debt and its their loss. Forsterr & Garbus then reply back with threats of court, wage garnishment etc. I then sent them some money basically to stall so I could find out my rights which I guess I dont have when it comes to scumbags like Forsterr & Garbus.
Jan 11, 2013 I receive more harassing letters, voicemails leaving specific account details which I thought was against the law unless you were actually speaking to the name on the account. The balance listed was $1325.00 so immediately I sent that amount. They cashed check on January 16th, 2013. Account paid off...AGAIN. Not so fast. March 4, 2013 I receive a bill for $211. I call and question it. They said it was interest charges. I said you charge me $211 in interest from Jan 10th to Jan 16th, I told them they were smoking something and they were not getting another dime. They stated $200 interest for those 5 days was appropriate. WTH?
I have now paid a total of almost $3200 on a $2500 debt and am still being billed more. I have paid this debt off twice and still am being told I have to pay them more. Im working multiple jobs and cant afford to pay anymore to these scam artists.