Report: #1041245

Complaint Review: HSBC METRIS - Direct Merchant

  • Submitted: Sat, April 06, 2013
  • Updated: Sat, April 06, 2013
  • Reported By: Maria — Taunton Massachusetts
  • HSBC METRIS - Direct Merchant
    P.O Box 826
    Atteleboro, Massachusetts
    United States of America

HSBC METRIS - Direct Merchant Mastercard Credit Card Atteleboro , Massachusetts

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This is what they wrote to me:

*This is an attempt to collect a debt. Any information obtained will be used for that purpose.

P.O. Box 826
North Attleboro, MA 02761

Mandy L. Spaulding (licensed in Massachusetts) Telephone: (508) 643-7200
Nicholas M. Amaral (licensed in Massachusetts and Rhode Island) Facsimile: (508) 809-4634
Fred B. Seitz IV (licensed in Massachusetts) Normal Business Hours: M-F 9:00AM-5:00PM
April 6, 2013

Maria Odette Silveira
53 School Street
Taunton, MA 02780

Re: File Number: 13624
Original Creditor: HSBC METRIS - Direct Merchant
Original Account Number: 5458001680472760
Amount: $2,998.06

Dear Ms. Silveira:
Per a conversation you had with my office, you have agreed to the following arrangement for payment with regards to the above-captioned account:

1. You have agreed to make bi-weekly payments in the amount of $50.00.
2. These payments will begin on April 11, 2013, and continue until the balance has been paid in full.
3. Upon clearance of your final payment, you will be under no further financial obligation to my client with regards to this account. My client will report your payment to any appropriate credit bureaus, and my office will document your full cooperation in what we understand has been a difficult situation.

Please do not hesitate to contact my office with any questions or concerns.
Thank you for your cooperation.
Very Truly Yours,
Mandy L. Spaulding
Mandy L. Spaulding, Esq.
Nicholas M. Amaral, Esq.
Fred B. Seitz IV, Esq.

Pursuant to the Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector; (2) if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer, and copy of such verification or judgment will be mailed to the consumer by the debt collector; and (3) upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

The Law Office of Mandy L. Spaulding is acting as a debt collector pursuant to the FDCPA and any information obtained will be used for that purpose. We further inform you that despite the fact that you have a thirty (30) day period to dispute the debt may not preclude the filing of legal action against you prior to the expiration of the period.

You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the creditor.

*This is an attempt to collect a debt. Any information obtained will be used for that purpose.

And I dont know anything about this this is a rippoff.
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