Got an odd letter in the mail the other day saying that the Texas toll compainy (Company in spain) has turned my past due tolls over to a collection agency. I was suprised at this due to the fact that ive been trying to work with them on a payment plan, but they were not responsive. Now I get a letter in the mail from Southwest Creditsaying that I owe them an amount that is not consistant with what the toll authority tells me. The agent was fairly rude, could barely put a sentence together, and said his supervisor would email the totals from their system. I was astonished but a few min later the email comes with invoice numbers, charges, and fees...for each line. Now all of a sudden the original debit of around $4k is now above $13K. When I asked if they would please validate this and show me what these groupped charges represent, they are unable to do so. Im kinda confused here, they dont seem to be playing by the rules, should i get a lawyer involved at this point...last thing i need while rebuilding is something like this to crop up. Im willing to pay the debit in payments but they are saying thats not possible.
One last thing.....I know for a fact that the original company and the collection agency do not have my social...does this mean it may never show up on my file and they are just bluffing?
Thanks for any insight or help
So are you living in Texas? If so, send them a DV citing the Texas Financial Code, they would have to respond to that one.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thanks for that, yes im in texas and im working up a DV for them now.
To add to how crappy these guys are....I actually just got the email from them and they have done a copy/paste from some record they have showing account / toll / toll authority fee / recovery company fee.
1. They sent this via email - not secure
2. They are gonna try to upcharge for each line item
3. The email states that they will make a deal for 10% down with a term of 12mo = $1300 down + 1k per mo
This is getting stupid quick
Red flags going up all over the place here with me.
So, how old are these? Are they recent?
The interest on this seems freaking ridiculous, I mean really. It's not adding up.
They don't seem to know how the system works. Plus, they are using email to keep it out of the US Mail system, thereby creating a proper paper trail. I don't like that.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Red flags going up all over the place here with me.
So, how old are these? Are they recent?
Some are old and past the SOL for texas, some are not.
Youre right all sorts of red flags here cannot believe they emailed me like this. After reading about them though they seem like a company not new to this type of crap. When searching google there are thousands of complaints, over 200 with the BBB alone. Still wondering if this is gonna show up on my credit reports...
Yeah, I'd send a dispute citing the Texas Financial Code and see what they respond with.
FYI... they don't have to have your SS# to place on your CR or to file for a judgement against you. It's just a personal identifier, and there are other means to accomplish the same thing.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@TheFate wrote:If they dont have your Social then don't worry about it...
Sounds like a scam
There is no way they ever had my social, its not a requirement for getting a toll tag with them and from what I am seeing online that I may not want to persue with a DV until it ever does report. I afraid now to start up a process that may give them more info than they already have....grrrrrrrrrrrr
