AvatarOfUrDreams's Blog

I had a collector for American Express call my home and tell my father that because we bounced a payment, a payment that I had told them I could not make do to there being no money in the account, that they would be sending my account to their Legal Department.  

My father asked for specifics as to what that meant since we were trying to pay them off and was not given an answer so he asked more direct questions like:

“Does that mean that we will be taken to court?”  

The man from OSI Collection Services, a Mr. Mike Roberts out of the Phoenix Call center located near Phoenix International Airport, (1.800.280.3377 Ext: 8217) said in an angry and dangerous sounding voice, “Sir, you will never see court. We have other methods of collecting our debts.”  

My father replied, shocked, “Do you mean that someone is going to come and try to kill me or cause me harm?”  

“You will never    see    court…” was Mr. Mike Roberts only reply.  

“So I guess that means that I will be in contact with your legal department and don’t need to talk to you anymore. Good bye.” And my father hung up the phone.  

We have not yet heard from their legal department but if/when we do go to court, I can only hope that this man’s threat is put on the record.  

I do not understand how agencies that are there to collect a debt are so unwilling to work with the consumer.  

We WANTED to pay them… We HAD BEEN paying them… But we hit a bad time and there was no money in the bank account.  

If they would have WORKED WITH US then this situation would not have gone as far as it has but they were so unwilling to talk to us about OPTIONS and only threatened and bullied that we have ended up in this situation due to their unwillingness to negotiate.  

As I told them… I can write a check for one million dollars RIGHT NOW… It will never clear and isn’t worth the paper it is written on… But if you insist on having a check then I can provide you with one… Just remember that I told you it won’t go through…  

Demanding payments higher then the person can pay is stupid and only leads to bounced checks… Not listening to the consumer and trying to pull money out of an account that has no money in it is their own fault…  

I am looking for the list of rules as to what can and can not be done to me and I will be writing letters to everyone saying that I never wish to be spoken with over the phone again and that all correspondences are to be in writing so I have proof of what has been decided.  

I refuse to be threatened ever again!