07-10-2012 11:13 AM
I had a listing of BPHG show up on my CR. It reported in 06/12 with the debt listed from 12/09. I found out that it was Baily's Powerhouse Gym. I was a member, but left in good standing, well, I was pissed at them. They kept not billing my CC then telling me I didn't pay. The account was on auto-pay, so I found it frustrating. I would get stopped at the desk, they would apologize profusely but I had to call in the payment, they couldn't take it at the club.
My question is, by never contacting me, did they violate a law, as the OC? They never sold the debt and still have it. I was going to write them a letter, but the person that helped me identify the company said they are a royal pain to deal with. I figure if I have some leverage, it may help me get this removed.
07-10-2012 11:16 AM
There isn't a law requiring them to contact you. They can choose when, or whether to collect. What does your contract say? Maybe you were on a month-to-month by that point?
07-10-2012 02:22 PM
However, if you have a billing issue, you may have recourse to the separate dispute process under the Fair Credit Billing Act (FCBA), which entitles you to file a dispute with a creditor over their billing activities.
Did they send you a bill for the debt they are now reporting as having been delinquent?
07-11-2012 10:00 AM
They have never sent me a bill or called me. I just found out who they are so I am wondering if I should try getting them removed through the CRAs or contact them. My contract was set dates and didn't go month to month.