I had 3 AT&T cell phones on one contract. The bills were outrageous $350.00 a month!!! I would call and argue with them that I was on a plan and they made up something every time I would call. So I cancelled my contract and they wanted me to pay $1200.00 I called to argue again and got no where. They sold my account to a collection agency and its the only collection on my report. Im trying to buy a house this year and this has to be removed. I've already sent them a DV and they sent me a copy of my bill. I have also challenged it on my reports came back as owed.
Should I send a PFD next? I am desperate because I have to move out of my rental in 3 months and need another rental or home purchase and I think once anyone see's this I will be denied.
Thanks for any advice.
Starting Score: 501
PFD or PIF >> GW (Or Settle >> GW, but less likely) seem to be your only options. It's valid debt, and won't go anywhere until paid. While you may have had a point and a leg to stand on, once you cancelled and allowed the early termination fees to hit and lapse, it lost a lot of leverage. Consider a BBB complaint next time prior to cancelling, to either get it straight or get out of the early termination fee.
I am dealing with them now! They sent mines to southwest credit systems. The bill amount is in dispute, but I was going to pay SW and then go after Att later. I called SW and they would not give me anything in writing. Just promised verbally to remove from credit reports. So I am sending them a certified letter to see if they will accept a PFD with the terms of sending something in writing.
Starting Score: EQ 523 03/2012
Unique620 wrote:I am dealing with them now! They sent mines to southwest credit systems. The bill amount is in dispute, but I was going to pay SW and then go after Att later. I called SW and they would not give me anything in writing. Just promised verbally to remove from credit reports. So I am sending them a certified letter to see if they will accept a PFD with the terms of sending something in writing.
They gave you a verbal? I'd consider paying if the letter doesn't work. Is AT&T reporting a charge-off, or is the only form of reporting by SW-CS?
Jutz wrote:
Unique620 wrote:I am dealing with them now! They sent mines to southwest credit systems. The bill amount is in dispute, but I was going to pay SW and then go after Att later. I called SW and they would not give me anything in writing. Just promised verbally to remove from credit reports. So I am sending them a certified letter to see if they will accept a PFD with the terms of sending something in writing.
They gave you a verbal? I'd consider paying if the letter doesn't work. Is AT&T reporting a charge-off, or is the only form of reporting by SW-CS?
Yes they gave me a verbal, BUT because of the horrible complaints and reviews I have seen online, they is not going to fly. To many complaints that they agreed to remove and did not. Hopefully this nightmare ends soon! Only been a week.
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