United Credit Bureau, UCB Extreme harrassment, yells at you, lies, threatens, disrespectful Ft. Lauderdale Florida

Wow. These people are something else. I've spoken to them regarding a debt on a Citi credit card a few times. Every person we've spoken to has threatened us. They know every piece of information about our other debts and mortgages and use it to try to scare us.

Abby Quinn basically said they could take the equity from our home since our home loan is through Citi also. We've told them we understand that Citi will be forced to file a judgement against us since we don't have the money to pay the debt.

Please don't let UCB scare you though. They can not do anything to you. If you don't make an agreement through them to pay Citi something, all they can do is report to Citi that you refuse to pay. It is then back in Citi's hands. Citi can then file a judgement against you. A sheriff or someone will come to your door to serve you papers and there will eventually be a judgement against you on your credit report. (No fun, but not the end of the world). You can typically settle the judgements later (when you have money) and get it removed from your report.

They can't take the equity from the sale of your home. It only affects you when you go to buy another home or get another sort of loan and haven't setteled it and removed it yet. I beleive your wages can be garnished once the judgement is out there. (My husband is self employed so they can't garnish him.) Like others have said, I'm not a lawyer, but this is my understanding from everything I've read and heard through reliable sources. Check things out before you let them scare you.

The guy who called from UCB today, Mr. Lexus, was the prize winner. A Mr. Lyons put Mr. Lexus on the line since I was unable to make any payment commitments. Mr. Lexus immediately started yelling at me non-stop. He would'nt let me respond to any of his false information he was verbally harrassing me with. He could see we are paying some small payments on some other debts and is apparently personally distraught that we don't have any money left over to send him some. I'm sure UCB has some sort of monthly Bar Graph report that shows how many accounts they've been able to collect on for Citi. He probably wants to keep the Bar "Percentage of Accounts Resolved" high so so he looks good to Citi. I plan to call Citibank and ask them to take my account away from UCB. If this doesn't work, I'm going to send a certified Cease and Desist letter to UCB at 9078 State Rd., Ft. Lauderdale, FL 33324.

We will pay all our debts when we have the money, but I've decided to pay them in order of proper manners. UCB has very bad manners so they just went to the bottom of my list. They've hung up on me, yelled at me, threatened me, mislead me, lied to me, and called my neighbor and in-laws. I can't believe they haven't been sued. I guess it's just easier to send them a Cease and Desist letter. Citi will get paid last because of UCB.
If you do have the money to set up payments, I would not recommend anyone agree to payments through UCB. Call Citi instead. Maybe it will screw up Mr. Lexus' chart:)

As a side note, I'd like to say that some of our other creditors have offered us much lower % rates and much lower monthly payments. The accounts that we weren't able to do that on, eventually offered to settle the whole account for 20-50% of the total. Unfortunately, we don't have that sort of money, so we will just have to wait until they go to judgement. UCB never offered us anything attractive. They like to use the word "case" instead of "account" to scare you. They like to say "our legal department" instead of "my manager", who is really some big idiot sitting at his desk checking out his bar graph until a caller is transfered to him to be bullied as a last resource. I have some other theories I won't even put in writing.

D
Belleville, Illinois
U.S.A.