Aqua Finance filed a judgment against me prematurely.
In 2001 we purchase a water purification and financed it through Aqua Finance. My husband was in the military and was away a lot; thereby being late on payments. I wasn't working at the time or else I would have made payments. At the end of 2002 I contacted Aqua Finance to notify them of our relocating to S. Carolina. It was then I found out that payments weren't being made. I decided to make monthly payments to them using my credit card, at first, then by checks once I was able to find a job. In June 2004 I made a payment of $400, thinking that it was my last payment; after which I never heard anything from Aqua Finance again.
In September 2005, I received a letter from Aqua Finance stating that money was owed and that they would settle for $950. I was given until September 30 to respond. On September 28 I called Aqua Finance to find out what was going on with the intentions of paying them if, in fact, money was still owed. The woman I spoke with told me that she couldn't discuss the account with me since it had already been sent to an attorney. I asked her why it was sent so early, as I was given a Sept. 30 date to respond. She repeated that she wouldn't speak with me and gave me the number to the attorney.
I called the attorney requesting a breakdown of payments so that I can see how my payments were allocated. He told me he would get me that information. I did not receive anything from the attorney within 2 weeks and called again. I could never get in touch with him. Finally in December 2005 I was able to get in touch with the attorney and told me that Aqua Finance moved my account to another attorney, but he didn't know who.
I never heard anything from anyone until July of 2006 when the sheriff rang my bell and handed my husband and I judgments filed with the court for payment to Aqua Finance. By this time, Aqua Finance had charged off the debt. I called the new attorneys listed on the judgment and I was told that they filed judgment because they sent me letters (with no response) and that they didn't have any other contact information for me. I wondered how could that be since I had been in contact with Aqua Finance before this. I told the lawyers that I didn't receive anything from them. I was told that they had proof that I received the letters. When I asked what proof they had, the answer was that no letters were returned to them. I told them that was not proof that I received the letters. In any case, I agreed to make payments, but I needed a statement of how my previous payments were allocated. I was promised that information and never received it. Our correspondence went back and forth for 2 years (filed with the courts). I agreed to pay $100 a month, but I just needed a breakdown of my payments.
I never got the information I received and in July of 2008, a freeze was put on my bank account. Any money that was in my account or was to go into that account was taken. I had no money to pay my bills and I had 3 children to feed. Needless to say I started making payments to the attorneys. There was a new lawyer working on the account by then and he finally gave me the information I requested. By this time, interest had accrued on my account and now I owe twice as much (over $2000).
I continued to make monthly payments to the attorneys and in March or April of 2009, I am notified that Aqua Finance aka MBC Investments has retaken the account. They are now receiving double of what they originally said I owed back in 2005. I am annoyed at this because I feel that the judgment was filed prematurely. The original letter gave me a due date to respond and I was not granted that date. I could have paid Aqua Finance and been done with them. I can't help but to wonder if this was done deliberately to extract more money. As of now, I am still making monthly payments because I take pride in my credit. Unfortunately, I have no job at the moment and not sure how I am going to pay them. One good thing is that MBC Investments sees that I am willing to pay and is working with me. I wish they could just cancel any remaining payments and call the account paid in full; as I don't owe much more.