Drive Financial Harrasment, Unprofessional Attitude Dallas Texas

The Fair Credit Billing Act applies to OPEN(Revolving) Credit Accounts. It does not apply to promisory notes or contracts that have set payments and dates, which is what a car loan is.

So yes it IS the borrowers responsibility to send out the payment when due per their contract.

As to them calling, they are a Sub-Prime lender. This means you have had credit issues in the past. While you may not think it is right, they are basically doing robo-calls which cost them next to nothing. The logic being that the "squeeky wheel gets the oil" as they say you will tend to pay them first. Just as you did by setting up the Automatic Debit. I am not saying this is right but it is legal and in your case they now know they are going to get the money.

Your payment amount does not change so asking "What Amount" does not work because it was in your contract and the same amount you have been paying. You also asked what address, again it is the same address that you have been sending the payments to. But even if you couldn't find it a call to them BEFORE it was due would have gotten the address pretty quickly.

Many years ago I worked at Zales, I was surprised at the people that came in complaining that they were telephoned about a missing payment & would complain they they did not receive a bill. Okay, at 18 years of age it took a little while, but I got it. Revolving charge. That means a payment EVERY month, usually on the SAME DAY. Just like they were wearing the jewlry, you're driving the car, you know you owe a payment every month.

Have you ever considered just paying your payment on, or before, time? You will not be called. But, that's too simple for some people, so much easier to put it off and/or blame someone else.

It really irritates me that people will not take responsibility for their own, or lack of, action(s)! Did you not get a payment booklet, did you not read your contract? Even if not, after a month or two of being called & them giving you a date and amount information, you know when it's due.

Yes, things happen; major car repairs, home repairs, illness, loss of job, etc... Call them first. If you've established a good history with them you have a better chance of getting a deferment.

Many years ago I worked at Zales, I was surprised at the people that came in complaining that they were telephoned about a missing payment & would complain they they did not receive a bill. Okay, at 18 years of age it took a little while, but I got it. Revolving charge. That means a payment EVERY month, usually on the SAME DAY. Just like they were wearing the jewlry, you're driving the car, you know you owe a payment every month.

Have you ever considered just paying your payment on, or before, time? You will not be called. But, that's too simple for some people, so much easier to put it off and/or blame someone else.

It really irritates me that people will not take responsibility for their own, or lack of, action(s)! Did you not get a payment booklet, did you not read your contract? Even if not, after a month or two of being called & them giving you a date and amount information, you know when it's due.

Yes, things happen; major car repairs, home repairs, illness, loss of job, etc... Call them first. If you've established a good history with them you have a better chance of getting a deferment.

Many years ago I worked at Zales, I was surprised at the people that came in complaining that they were telephoned about a missing payment & would complain they they did not receive a bill. Okay, at 18 years of age it took a little while, but I got it. Revolving charge. That means a payment EVERY month, usually on the SAME DAY. Just like they were wearing the jewlry, you're driving the car, you know you owe a payment every month.

Have you ever considered just paying your payment on, or before, time? You will not be called. But, that's too simple for some people, so much easier to put it off and/or blame someone else.

It really irritates me that people will not take responsibility for their own, or lack of, action(s)! Did you not get a payment booklet, did you not read your contract? Even if not, after a month or two of being called & them giving you a date and amount information, you know when it's due.

Yes, things happen; major car repairs, home repairs, illness, loss of job, etc... Call them first. If you've established a good history with them you have a better chance of getting a deferment.

Many years ago I worked at Zales, I was surprised at the people that came in complaining that they were telephoned about a missing payment & would complain they they did not receive a bill. Okay, at 18 years of age it took a little while, but I got it. Revolving charge. That means a payment EVERY month, usually on the SAME DAY. Just like they were wearing the jewlry, you're driving the car, you know you owe a payment every month.

Have you ever considered just paying your payment on, or before, time? You will not be called. But, that's too simple for some people, so much easier to put it off and/or blame someone else.

It really irritates me that people will not take responsibility for their own, or lack of, action(s)! Did you not get a payment booklet, did you not read your contract? Even if not, after a month or two of being called & them giving you a date and amount information, you know when it's due.

Yes, things happen; major car repairs, home repairs, illness, loss of job, etc... Call them first. If you've established a good history with them you have a better chance of getting a deferment.

FAIR CREDIT BILLING ACT failure to send bills to your current address - provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and

file complaints with the Federal Trade Commission