SIMM ASSOCIATES & HSBC Took My Money and Ran... Newark Delaware

I had a deliquent credit card from HSBC and Simm Associates (a collection agency) called me to take care of it. The last person I spoke with and who completed a settlement payment is Jenna Riggs, Account Manager. So, I did a settlemt payment for $407.95 (with a check over the phone) on May 31, 2008. I recieved this letter before I setteled.
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S I M M A S S O C I A T E S
PO BOX 7526
NEWARK, DE 19714
(800) 864 - 6033 - (302) 283-2800


05/28/08


RE: IDT Caramel Inc
Account Number: ********
Balance: $842.80

Dear ,

Following our telephone conversation on 05/28/08, this letter is to serve as an agreement for a settlement on the above referenced account in the amount of $407.95. This amount represents 47% of the balance owed. The payments will be paid in one Installment and is due on or before the following date: 05/31/08.

To accept this agreement, make one payment totaling the amount of $407.95. Your payment will be made by ACH over the phone in the amount of $407.95. Please note that your 05/31/08 payment is your Final Payment.

In return, IDT Caramel Inc will report your account to your local credit reporting agency as settled and paid regardless of your past delinquent history. Any violation of this agreement will result in the full balance of $842.80 being due immediately
Remember, to accept this agreement we must receive your payments by the due date. If for some reason you deviate from these arrangements in any way, the above offer is void.

Sincerely,

Jenna Riggs
Jenna Riggs
Account Manager

THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Payment Conversion Notification: Checks received in our office may be electronically processed. This is a more secure process for our customers in that the check information cannot be seen by anyone after the payment is electronically converted. You may elect to not have your check processed electronically by checking the box provided and including this notice with your mailed payment: ? I do not wish to have my check electronically processed.


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Before and after I setteled I was assured and promised the settlement would show on my credit report 30 to 60 days and I would recieve a letter in the mail stating this settlement.

Now todays day is 12/11/2008, I have not recieved any. It still shows the account as deliquent and open. I have talked with Simm Associates several times and they lies to me, send to to other companies and give me a BIG RUN AROUND.

Recently...
11/20/2008 I spoke with a woman name "Poindexter" on 11/20/2008 she said she sent a letter out to me.

Also, that day she directed me to talk to IDT Carmel Inc. because they are the ones who have to report this information to the credit bureau. I talked to a woman at IDT Carmel Inc. and she told me they have no information aboiut me setteling the account and they have nothing to do with reporting the information to the credit bureau.
I called HSBC who is the original credit card holder and a woman there told me they sell debts to collection agencies and they know nothing after that.

I called Simm Associates back and talk to an extremely rude woman. She told me both IDT Carmel Inc and HSBC were lying and giving me a run around because they are supposed to report to the credit bureau. I tried talking to this woman and she literially screamed on the phone to talk over me. She wanted to hear nothing from me. So, both companies HSBC and IDT Carmel Inc. that Simm Associates told me have to report to the credit bureau have NO INFORMATION of my SETTLEMENT. ??What a cocidence??

So, I told the lady just that and she said they sent the information... to a intermediate company who she would not give me information about. ??So I said, Simm Associates doesn't even know if the information was recieved by the companies?? Anyways this woman told me it didn't matter if the companies reported it to the credit bureau because the """"""letter""""""" they are sending me conferming me, I can send directly to the credit bureau my self. --Now that is great and all, but Simm Associates WILL NOT GIVE ME THE LETTER-- THEY SAY THEY ARE AND???????? Still nothing..

12/09/2008 I spoke with a man would told me he was not the manager and then said he was. He was very unprofessional. I asked him to e-mail me the letter and request another hard copy letter to be sent to me. He said I would recieve the e-mail in 2 hours... NOTHING.
12/11/2008 I talked to "Poindexter" again, I requested she send me an e-mail and a hard copy also. She said she'll see what she can do. I requested to talk to a manager and she told me they are always busy especially now and no one can ever talk to them.


So, I have been messing around with this for 7 months now. I am out over $400 for nothing. And not to mention I am a college students. The whole reason I had the deliquent credit card to begin with is because I pay for my own college education. In my freshman year I didn't have enough money to pay my credit card much less money to buy food. Honestly, I only used $100 on the credit card. So, now, I have been working really hard and I did the right thing and paid this debt off. I paid much more than I actually used.

Now, I am graduating this year and I quit my job serving to get a more professional career. The economy is bad and I need a job now. I have been going to interviews, but professional jobs need credit checks and this "credit card issue" needs to be taken care of because it may majorly jepordize if I get the job or not; just because SIMM ASSOCIATES will NOT BE A GOOD COMPANY AND DO THEIR JOB. I am being honest why can't they????

Hope
Watervliet, New York
U.S.A.