I have received numerous calls from this company regarding a credit card that I owe on. I am not denying that I owe the money. I had a credit card, fell on hard times and have not been able to pay it. The card had a $300.00 limit on it but I now owe them almost $2,000.00.
When I received the message it did not say what the call was about. The message was very short and hateful. I called and made arrangements to just settle and pay them $1,114.00. I told the guy I had spoken to that I was going to get a loan and pay it in full. He asked for my checking information so that the payment could be debited from my account.
I called him back the next day and told him to hold off on the check because the loan officer at my bank was on vacation for the 4th. He said that was fine.
In the meantime I got in touch with a wonderful company that is like a consolidation for credit cards. (I have 2 that I owe on.)We got it set up that I was going to go through them and they would contact NAFS.
I called and left message that this was the route I was going to take.In the meantime NASF proceeded to run the check through 2 times costing me almost $50.00 in bank fees. I had told him not to run the checks through.
The man from NASF that I had been dealing with called me at work yesterday griping a cussing that I needed to call the Sheriff's department because criminal charges were going to be pressed on my for writing a bad check. When I told him I had called and told him not to run because the banker was on vacation he said I was lying.
Then I asked him if he had got the message that I was not paying the settlement, that I was going through this other company to pay them he said I could not change my arrangement. The whole time being very rude.
I told him that I was at work and could not argue with him. He said some more rude comments and hung up on me.
I work at the courthouse so I went to the District Attorney's Office and talked with them regarding the "criminal charges" he had threatened me with. He said that it is a civil matter. I could not be charged with any criminal matter.
This company needs to be taught a lesson regarding good business behavior. I understand that I owe them money and I am going to pay it. I have already sent a payment to the consolidation company to be sent to NASF.
Carlsbad, New Mexico